Take 10 minutes to sign a  "Guaranteed Retirement Contract," and you could get $2,250 per month... for life

This alternative to stocks, bonds and mutual funds is now offered by more than 100 U.S. companies. Your payouts are guaranteed not to drop in value, and will be delivered EVERY SINGLE MONTH for the rest of your life. The only question is...

Do you qualify?

Dear Reader,

It's a scary world out there for American retirees.

Stocks and real estate have plummeted. Government bonds and CDs pay a measly 3-4%.  If that weren't bad enough, pension plans are falling apart... and even supposedly "safe" banks and Wall Street brokerage firms are collapsing.

But there is one very safe solution few Americans have considered...

In short, I want to tell you about what Barron's calls, "The new way to retire."

I'm talking about one of the most mysterious, misunderstood, and well-kept secrets of the rich... something we call The "Guaranteed Retirement Contract."

This is an investment. But it's almost certainly unlike any investment you've considered before.

For one, the money you receive is guaranteed by a company that (unlike almost any other business in America) is required by law to have enough cash on hand to meet all future obligations. Your money is also guaranteed (typically up to $100,000) by a "Guaranty Fund" regulated by the government.

Another thing that makes this investment unique is that the monthly payouts you receive can go up in value... but never down... even if stocks, bonds, and real estate stay in a bear market for another 20 years.

And it gets even better...

Unlike any other investment I know of, the money you receive from a "Retirement Contract" will be sent to you for the rest of your life, and can even be passed on to your heirs. As John Olsen, who runs Olsen Financial Group in St. Louis told Time Magazine: "If you want the absolute assurance of income for life, there is no alternative."

Incredibly, there are other perks and advantages too....

Unlike ordinary stocks and mutual funds, there's no guessing about how much you'll have or when you'll get paid. You can set up and secure your financial future in just 10 minutes -- and know exactly when and how much you'll be collecting for the rest of your life. 

You'll never again have to worry about when to buy... or when to sell.

And you'll even know the exact day your monthly payouts will be delivered (it's required by law). As "Retirement Contract" beneficiary Paul Jordan, who's 56 years old and receives $2,376 per month, recently said: "It's automatically deposited in my checking account each month, which is convenient."

Now you can see why Money Magazine says these contracts, "will become the retirement investing rage." And why the journal of Financial Planning said "they could be a magic bullet."

But before I go any further, I have to warn you...

"Guaranteed Retirement Contracts" are not right for everyone. And you must meet several requirements before you can begin collecting these guaranteed payouts. The good news is, most Americans near retirement age do qualify, and it will take you no more than 10 minutes to complete the necessary forms.

We've spent the past few months learning everything there is to know about these unusual investments: The options... the risks... the investment minimums and maximums... how to get the most money... which contracts to buy and which to avoid... the requirements... when to make your purchase... and much more.

Here's what we found out...

Guaranteed income. . .
even if you live to be 120

The best way to show you how these "Guaranteed Retirement Contracts" work is with a real-world example...

Right now, there is a hi-tech, publicly-traded company in West Chester, Pennsylvania, which is revolutionizing one of the most important industries in America.

BusinessWeek recently called the company a "pioneer."

This cash-rich business has made a whopping $14 billion last year.

You can buy the company's shares on the New York Stock Exchange (NYSE). The problem is, you have literally NO IDEA how this stock or the stock market in general is going to perform over the next few years.

Even if this great business continues making millions, there's no guarantee the company's share price will rise... or that it will continue to pay out its twice-yearly dividend.

But...

Few investors realize that instead of buying this company's ordinary shares on the stock market (which of course come with no guarantee), there's a way to use this company as an investment and guarantee you'll have enough money for as long as you live:

Simply put: Instead of buying the company's shares on the stock market, you can invest in one of the firm's "Guaranteed Retirement Contracts," which give you guaranteed payouts that CANNOT drop in value.

Look what you would receive if you simply took 10 minutes to apply for one of the company's "Guaranteed Retirement Contracts"...

In other words, by investing in one of the company's "Guaranteed Retirement Contracts" instead of the company's ordinary stock, you get large payouts, which can NEVER drop in value... and you'll be guaranteed income for life.

Just look at the historical payouts on this "Guaranteed Retirement Contract" over the past 23 years...

In other words, if you started with an investment of just $10,000... you'd have received $28,314 in Guaranteed Income so far... and you would still be receiving a guaranteed $1,770 a year.

Just think about what has happened in the financial markets during this period...

We've had a savings and loan crisis... a mortgage crisis... the dot.com bubble... the largest one-day stock market decline in history (1987's Black Monday)... several accounting crises (Enron and WorldCom)... a real estate bubble and collapse... several wars in the Middle East... and now a massive financial credit crisis and stock market drop.

Yet through all of this turmoil, you could have been receiving guaranteed payouts, that escalated in value... and would continue paying you at least 17.7% for as long as you live.

To begin receiving these guaranteed payouts from this Pennsylvania firm, you'll need to fill out a simple application form. It will take you about 10 minutes.

Next, you'll decide how much you want to receive, when you want to receive your payouts, and where you'd like your money deposited.

Then you can begin receiving your guaranteed income next month... and know that you will get this guaranteed income for as long as you live... even if you live to be 120!

Now do you see why I think you should consider a "Guaranteed Retirement Contract" with at least part of your retirement savings?

It's the only investment, besides Social Security or a Pension, which will guarantee that you will have income for life, no matter how long you live.

Of course, this brings me to an important point...

How can these investments
really be "guaranteed"?

Like ordinary stocks, "Guaranteed Retirement Contracts" are regulated by the U.S. Securities and Exchange Commission (SEC). You can buy them (over the phone or on the Internet) through a broker.

That, however, is where the similarities end.

The most important  difference between these unique investments versus stocks, bonds and just about every other investment on the planet... is the fact that the money you invest in a "Retirement Contract" is guaranteed.

But what, exactly, does this guarantee mean?

Well, when you buy an ordinary stock or bond, as I'm sure you know, you have absolutely no idea how much you'll get back, and when (or if) you'll ever be paid at all.

Stocks go up... and stocks go down... sometimes for a very long time.

But that won't matter when you invest in a "Guaranteed Retirement Contract"...

You see, the companies that offer these investments guarantee your returns in several ways...

First, the issuing company is closely regulated by the government where the firm operates. In fact, the company has to get a government-issued license in order to be able to offer these investments.

To qualify for this license, companies face very strict regulations. For example, they are limited in borrowing money and using leverage, and must maintain enough cash on hand to pay out all of their "Retirement Contracts" for life.

So you can see, there's a good reason why there are only roughly 100 companies in America allowed to offer these unusual contracts.

In short, there are very few companies with this much available cash, who can meet the stringent requirements.

And the guarantee gets even stronger...

You see, each of the companies that offers these unique contracts pays into a special government-regulated "Guaranty Fund." This "Guaranty Fund" ensures that investors ALWAYS get paid on their contracts... typically insured up to $100,000 or more per investor.

Because of these unique guarantees, no investor we've heard of has ever lost their money with a "Guaranteed Retirement Contract."

You certainly can't say the same thing for stocks--millions of Americans are losing money every day the markets are open right now!

The point is, these "Retirement Contracts" give you a guarantee you'll find nowhere else in the investment world.

As Bruce Hartford, a retired accountant from St. Paul, MN told us recently when we interviewed him:

"I believe that every retiree should have a portion of their money in [this investment]. They are my old reliable... I know they will always be there... they allow me to sleep at night. As long as you are using a well capitalized company you have virtually zero risk. And most people don't realize it but every state has a state guaranty fund that backs [these investments] up to $100,000..."

And this brings me to another important difference between stocks and "Guaranteed Retirement Contracts"...

How to know ahead of time
EXACTLY how much you'll be paid

I'm sure I don't have to tell you how frustrating it can be to buy a great stock at a good price... only to watch the share price drop... and drop... and drop some more.

Look at Microsoft for example...

This is one of the best, most lucrative, and most profitable businesses in the world. It nets literally billions in profits every single year.

Yet if you bought this stock roughly a decade ago... your shares would have lost about 25% of their value.

Why?

Well... the truth is... nobody really knows for sure. Stock values are based on emotions as much as anything else. The overall markets are down for roughly the past decade, which probably explains why Microsoft's stock isn't doing very well.

People at the company are still making plenty of money--that's for sure. But shareholders are losing money every year!

Same goes with Home Depot. This is a great company with great products, which makes millions of dollars a year. Yet... if you bought Home Depot shares about a decade ago, your shares have lost 43% of their value!

The sad truth is, when you put your money into ordinary stocks, you are at the mercy of so many factors you simply can't control: the economy... interest rates... wars and natural disasters... corporate scandals... and investor psychology, just to name a few. Nobody... and I mean nobody... can accurately predict these things.

And... even when you think you've found a big, safe company that pays a large dividend, you can never be sure that your payouts will continue.

Look at just a few of the supposedly safe companies that have cut their dividends to shareholders recently...

The good news is, when you buy a "Guaranteed Retirement Contract" instead of ordinary stocks, you know two important things from the get-go:

As I write this, for example, there's a Contract available through a NYSE-listed Virginia firm that will pay you a guaranteed $8,628 per year, for the rest of your life.

You'll get $719 per month... guaranteed. The value of these payouts to you can NEVER go down.

There's another Contract available from a New York company that will pay you $705 a month... for the rest of your life. Again, you know exactly what your payouts will be. You will NEVER GET LESS!

The point is, when you invest in ordinary stocks, you have to be smart enough (or maybe I should say lucky enough) to get into a stock at the right time.

Of course, you have to be fortunate enough to sell at the right time too.

Well... that's something you'll never have to worry about with a "Guaranteed Retirement Contract."

You'll know, from the very beginning, exactly what your minimum investment return will be.

It can go up, but never down... and perhaps most importantly...

You can get paid FOR LIFE

You know, you can drive yourself crazy trying to figure out how much money you're going to need for retirement.

There are just so many variables to consider.

That's why, after meeting literally hundreds of thousands of individual investors from across the country, I recommend you make sure you've got at least a certain level of guaranteed income, so that even in the worst case scenario, you'll know that you've got enough money to meet your basic expenses.

If you've got a pension, that's a good start. The problem is, unless you're a teacher, a postal employee, or an executive at a Fortune 500 company, you probably don't have a lucrative pension.

There's Social Security too, of course. But it was really only meant to be a safety net, and as I'm sure you know, there are major problems facing Social Security in the years ahead.

That's why a "Guaranteed Retirement Contract" makes so much sense.

It's the only investment in the world, besides Social Security and a pension, which can guarantee you a certain amount of income, for as long as you live.

You can invest in a contract that pays you for the next 5 years... or the next 10 years... or a contract that pays you for as long as you live—guaranteed.

And even if you change your mind down the road, it's possible to move your money around, or eventually cancel your contract altogether, and get your money back.

That's why many Americans have used a small portion of their investment portfolio to purchase a "Guaranteed Retirement Contract" from one of the roughly 100 issuing companies. Here's what a few of these folks say...

The point is, I think it makes a lot of sense to have at least a small portion of your retirement savings in a "Guaranteed Retirement Contract," which you know will always be there... and can possibly go up in value, but never down.

Still... even though these Contracts sound like the perfect investment, they aren't for everyone.

Here's what I mean...

Do you Qualify?

There are three things you must consider before investing in a "Guaranteed Retirement Contract."

First, you should know that the U.S. government has geared these investments for retirees and people who want to retire soon.

That's why we recommend you consider these investments only if you are 50 years of age or older. (One important consideration, for example, is the fact that the starting payouts you receive get higher, the older you get.)

The second thing you'll need to consider is the minimum investment.

Most companies that offer "Guaranteed Retirement Contracts" require a minimum purchase of $5,000. Some require $10,000. If you do not have $5,000 or $10,000 to invest, these Guaranteed Contracts are probably not for you.

And there is one final consideration too...

You should only use these contracts as long-term investments.

What I mean is, these contracts can give you extra income, beginning immediately, but you will get the best returns if you invest your money for the long term... at least 5 years.

If you are looking for an investment you can pop your money into today, and pull it out tomorrow, "Guaranteed Retirement Contracts" are definitely not for you.

So to sum up: If you are younger than 50 years old... have less than $5,000 to invest... or do not want to invest for the long term... "Guaranteed Retirement Contracts" are probably not right for you.

But, on the other hand...

If you meet these minimal requirements, I believe putting a small portion of your savings into one of these "Retirement Contracts" could be one of the best financial moves you ever make.

And I'm not the only one saying that...

The point is, using a small portion of your money to invest in a "Retirement Contract" issued by one of the roughly 100 licensed firms in America GIVES YOU MORE INCOME for retirement... guaranteed.

So how do you know which contract to choose... and how soon can you begin receiving your guaranteed payouts beginning right away?

Here are the answers...         

The #1 "Guaranteed Retirement
Contract" available right now

My name is Dr. Steve Sjuggerud, and I have just published a thorough Research Report explaining exactly how these contracts work. It's called: "Guaranteed Retirement Contracts."

In this report, I start at the very beginning and explain the basic features... then detail which particular Contracts offer you the best deal right now.

In fact, I reveal all of the details on my #1 favorite "Guaranteed Retirement Contract" in the world right now for most U.S. investors. You can start collecting large monthly payouts, immediately, if you choose.

I'll tell you whom to call and what to say, so that you can begin receiving your Guaranteed Income, right away.

I've spent several months putting this report together. And I'd like to send you a copy, free of charge.

Why would I do that?

Well, I've been in the investment business for more than a dozen years now.

I started out following the typical career path. After studying Finance and Economics, I got an MBA and a PhD. My first job in the industry was as a stock broker. I worked my way up to become a mutual fund manager, and later a hedge fund manager.

But about 5 years ago, I left all of that behind.

You see, I love the world of research and finding great investment ideas. But I hated the BS... the meetings... the "do-anything-for-a-buck" mentality.

So I quit... and started my own private investment advisory letter, called True Wealth, to focus on safe ways for ordinary Americans to have lots of extra money for retirement.
           
It's been pretty successful so far. In fact, we are now one of the largest advisory letters of our kind in the world.

And if you are interested in taking a look at True Wealth and the type of research I do, the first thing I will rush to your door is my brand-new Research Report: Guaranteed Retirement Contracts.

Is my style of investing right for you?

Well, let me tell you a little more about my work so you can decide for yourself.

You see, my specialty is finding little-known investment ideas that can safely make you a lot of money over the next few years... without taking big risks.

For example, here's something else I've been investigating recently...

A Currency play that
can make you  665%

Do you know much about the currency markets?

Sometimes called the Forex or FX market (which stands for "foreign exchange), this market exists basically wherever one currency (like the U.S. dollar or the Euro) is traded for another.

In a nutshell, the market for trading currencies is the largest and most liquid financial market in the world (average daily trades total nearly $4 trillion), and includes trading between large banks, speculators, governments, and other large institutions.

The currency markets are volatile... and can be risky...

But the money to be made in the currency markets is absolutely incredible. I know of one trader, for example, who made more than $1 million in a single day on a single trade.

And here's the thing most people don't know...

There's an unusual and very safe currency trade available to you right now, which can safely make you a fortune over the next few years.

It involves the U.S. dollar, and several other currencies too.

But the really interesting thing to me is that to profit from this lucrative trade, you don't have to buy risky futures, stocks, options... or anything like that (which is how most people play the currency markets).

No... the currency trade I want to tell you about is completely different. It's much, much safer, and very lucrative.

I first learned about this unique investment when I was a hedge fund manager... and I have been helping my readers take advantage of this opportunity for the past few years. While everything else in the world seems to be dropping in price, this investment has gone up as much as 152%.

And get this... we still have a VERY LONG way to go.

You see, the last time this currency opportunity presented itself, investors were able to make as much as 665% (in the 1980s).

And the time before that, investors made as much as 1,195% (in the 1970s).

The point is, you haven't yet missed out on this trade at all. In fact, in the past six months, prices have gotten as good for this trade as I've ever seen.

As I mentioned, this has nothing to do with futures, options, using margin, shorting... or anything risky that's typically associated with currency trading.
 
Instead, it's a very simple investment you can buy and hold for the next five years or so.

Of course, I'm not the only one who knows about it...

Some of the richest and savviest investors in America have used this secret currency play in recent years to make a killing:

The beauty of this investment is that it has absolutely nothing to do with the stock market. It is very safe... easy to buy and sell without opening up any new accounts... and could easily quadruple your money or more over the next few years.

In short, this investment will help protect your portfolio when stocks and other investments are dropping in value... and should give you absolutely astonishing returns at the same time.

My Research Report on the subject is called: The Currency Play That Can Make You 665%. And I'd like to send you a free copy. I'll include it in a package sent to you immediately, when you try a subscription to my True Wealth newsletter.

If these types of investment ideas interest you, I think you will benefit from True Wealth.
 
My publisher tells me the research we produce is like nothing else out there, and that we have grown to become one of the largest independent financial advisory letters in America.

I don't really focus on our sales and marketing, but I do love reading letters from our subscribers...

In fact, I've even had many people in the financial industry subscribe to my service, to find ideas for their clients. Maybe your broker or financial planner is one of them. For example...

Subscriber Gary Munson, who's a Certified Financial Planner and a Senior VP at one of the world's biggest investment firms, told us: "After being in the investment business for almost 24 years, I feel I'm fairly qualified to evaluate investment recommendations as I am a financial advisor and portfolio manager. Steve's recommendations and the way he thinks are absolutely top-notch. His newsletter recommendations have become a major arrow in my quiver that I am able to utilize in my own clients' accounts. I read a lot of newsletters and other literature constantly looking for investment ideas, and Steve's TRUE WEALTH ranks at the very top."

Subscriber Brian Rose, a full-time equity trader from San Francisco, wrote to say: "I KNOW I will have much more money for retirement because of Dr. Sjuggerud's True Wealth. It is comforting to know that Steve has no agenda other than to make me money."

Andrew Lawson, from Charleston, SC, said: "I was a stockbroker for 19 years. I trained with the 4th largest NYSE member firm at that time. I learned more from Dr. Sjuggerud in the last 8 months about the wide universe of investments than I learned in 19 years as a broker... Steve's recommendations are conservative, they make sense, and they regularly make large profits - much more than one would expect from safe investments."

I know... I can only tell you so much. You've got to try my work for yourself  before you can decide whether or not it's right for you.

That's why I encourage you to try a "sneak peek" at True Wealth for the next six months. Just let me know you are interested, give me the details I need to send you my reports by e-mail, and you will have full access to the Research I've described here, and more, including:

Here's how this "sneak peek" works. . .

Just let me know you are interested in previewing my investment research. We will then take down your necessary information, but you will have the next six (6) months to make a final decision.

You'll have plenty of time to review everything I've described above.

If you decide True Wealth and my investment research are right for you, do nothing and your subscription will continue. But if you decide True Wealth is not for you, simply let us know by phone, mail, or e-mail, and you will receive a full and prompt refund.

It's like buying a new car...

You'd never buy a new car before giving it a test drive... and I think it should be the same way with my investment research. This "sneak peek" allows you to "test drive" my True Wealth research service, before making a final decision.

Before I show you how to get started, however, there's one more good moneymaking opportunity I want to make you aware of...

The only realistic way to make
300% in the next 18 months

My investment philosophy is simple: You don't have to take big risks, to make big gains.

I never purposely seek out the "next hot trend"... or the "next big thing"... but ocassionally I come across an overlooked opportunity in new technologies that is simply too good to pass up.

Right now, for example, there's an amazing story in the stock market that is almost completely overlooked by the mainstream press...

There are several opportunities to literally double you money in the stock market right now, without taking big risks.

You see, several investments in the market got so cheap, they were selling at prices not seen in decades.

And now... these investments are storming back... and I believe will rocket much higher over the next 18 months. You have at least three separate opportunities to make 100% or more, very quickly.

Put simply: I have never been this bullish about any investment opportunity in my entire career. You absolutely must take advantage of this once-in-a-lifetime chance. Most of us will probably never see it again.

True Wealth, by the way, costs $99 per year. I think that's a great bargain. I say that because I believe we produce some of the best research in the industry... and the price we charge is just a fraction of what I used to pay for research services when I ran hedge funds and a mutual fund.

Even better, you can take advantage of a trial offer right now and save HALF-OFF the regular rate. In other words, you'll pay only $49.50 for everything I've described here.

And remember, by taking advantage of this offer, you are agreeing ONLY to try it, to see if you like it. You'll have the next six months to make up your mind. (Also, keep in mind that even if you cancel your subscription AFTER your six-month trial period, you'll still get a refund for any time remaining on your subscription.)

There are several very good opportunities out there right now to safely make quite a bit of money. I hope you take advantage of them.

Simply complete the attached order form and I'll immediately send you everything described here for your "sneak peek" preview.

Sincerely,

Dr. Steve Sjuggerud
True Wealth

P.S. Remember, you'll have the next 6 months to make a decision. Try my research today and then decide on your own after you see how my recommendations perform.

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