Special Report 1
Five time-bomb investments to sell now!
WARNING: the downward slide has begun
Dear Reader,
These are tough times for investors. Because it's not the same world it was 5 years ago, one year ago, or even a few weeks ago.
The reason is very simple. Markets move in great, long cycles. While we don't always know where we are in a particular cycle, the overall patterns are often remarkably clear.
This is why the idea that you can just “buy it and forget it” - whether we're talking shares or property - is wrong. You'll only make real financial progress if you buy and forget it during an up-cycle. Get the timing wrong and your investment will go down... or nowhere.
Here at MoneyWeek, we believe we have entered a long downward cycle. I'll explain why in a moment.
But if I'm right, most investments will be FINANCIAL DISASTERS. In particular, there are 5 popular investments that we urge you to SELL NOW. Don't call your broker and ask his advice. Don't bother to discuss it with your neighbours and friends; they'll all tell you you're crazy. Ignore them. They've been in an up-cycle so long they think it will last forever.
But it won't.
When the big trend changes, your investments ought to change too. That's why I'm also going to tell you about investments that will be good for THIS cycle. Among them, you'll find one of the safest, surest investments you can make - an investment that you can hold for the next 10 years and ignore the whole time.
Most likely, you'll end the period far richer than you ever imagined. About 2,000% richer is our guess.
But here again, the brothers-in-law and the brokers will tell you not to bother. They'll tell you that these investments did badly for the last 20 years, so pay no attention. But that's just the point, the trend has reversed. What worked in the last 20 years won't work now.
In contrast, what didn't work in the last 20 years may become the goldmine of tomorrow!
The US led us into a bubble - now watch it lead us out
There is a time for everything, as the saying goes. The last 20 years have been a good time to own shares and property - because the big trend in interest rates was DOWN.
But on 30 June 2004, the US Fed reversed a trend that had already lasted a quarter of a century: it raised its key lending rate.
Trends in interest rates and shares can be very long. Trends in property can be even longer. US interest rates - upon which much of the world economy now rests - rose for a period of 34 years, from right after WWII until 1980. Then, they fell for the next 24 years. That was why the '80s and '90s were such boom years in Britain and America. The banks on both sides of the Atlantic were practically giving away money - making it cheaper and cheaper to borrow.
No wonder people went so heavily into debt! And no wonder assets - houses and shares - moved up so strongly. The money and credit had to go somewhere.
There are limits, of course. Shares hit a sort of limit at the beginning of the year 2000. Prices - especially for tech shares - had soared far above what their earnings could ever justify. Result: they collapsed.
That was not the end of the big trend. But it was the beginning of the end. The US Fed moved quickly to add more liquidity - more cash and credit - to the world financial system, just as it had after every financial crisis since the stock crash of 1987. This new money soon got funneled into the residential property market - both in Britain and America - and a new boom was under way. Now, homeowners are deeper in debt than ever before.
House prices have far outrun the ability of buyers to pay for them. Of course, nothing says house prices can't rise faster than the incomes of the people who live in them. But they can't do it for long. The Bank of England moved to dampen down property speculation by raising interest rates from 3.5% to 3.75% in November 2003. This was first time they'd gone up for nearly four years.
Then, on 30 June 2004, the US Fed finally followed suit. U.K interest rates are now sitting at 5.5% and we still strongly believe the trend remains upwards.
Higher interest rates spell the end of the boom
So, the great boom is over. Finished. Kaput. You can no longer simply buy shares or houses and count on a bull market to raise prices. Now prices are more likely to go down than up. Now you have to choose your investments more carefully. Now, you have to think a little harder - a little more “out of the box” in order to make sure you are not just following the herd to enormous losses.
That is why I am offering you this special MoneyWeek report below. It is designed to show you what we think is happening in the financial world, to warn you about the biggest dangers you face and to give you some precise suggestions to help protect your wealth and make more.
We also hope you will decide to make MoneyWeek a regular part of your reading. As you will see, it brings you all the financial news you need - in quick-to-read, easy-to-understand English. Never too earnest. Never dull. MoneyWeek gives you the advice and information you need to stay ahead of the trends - whatever they may be.
Best wishes,
Merryn Somerset Webb
Editor
P.S. Naturally, I get many letters from readers. Some with praise. A few with arguments. One of my favorites was this:
“I'd cancelled my sub to MoneyWeek a few weeks back as I thought I was overloaded with reading matter but I'm about to renew. Your recent issue was so SPOT ON with its warnings of 'time bombs' it made me realise that your publication is the FIRST not the last weekly thing to read... You're spot on...”
Russell Hicks, Surrey
For our Special Report, read on...
Five time-bomb investments to sell now!
On 30 June 2004 your financial world changed - radically. No bells sounded. No alarms went off. Only a single magazine even noticed - our own, MoneyWeek.
Since 30 June 2004, it has been a very different world for investors. The major trend of the last quarter of a century has come to an end. During that entire period, the world's financial system, from London to Hong Kong, was dominated by one single thing: the US central bank. The Fed was flooding the world with new cash and easier credit. Interest rates - the cost of borrowing - went down from 1980 all the way until the end of the first half of this year.
We will not get into the complex economics of it. Instead, we will give you detailed instructions on what to do about it, telling you precisely what to BUY and SELL to take advantage of this new trend.
For example, let me share with you our first insight:
Time-bomb investment #1: buy-to-let property
The best time to buy property for investment is when house prices are low in real terms.
To work out whether prices are high or low, you need to look at interest rates. Over time, falling rates are the single most important factor pushing house prices up. So you want to buy ahead of what you hope will be a sustained period of low interest rates.
But that’s not now. In December last year, the Bank of England raised interests rates again and in our view it is much more likely they will rise rather than fall in the near future. This is the best time to sell. The crash in the buy-to-let market looks like it has already begun. Soon the rush for the door will begin and it will be impossible to sell for a decent price..
At the beginning of 2005, interest rates were at 4.5% and most analysts thought they would fall further. And yet – as we at MoneyWeek predicted – halfway through 2007 they were raised to 5.75%. Now, once again, as the figure sits at 5.5% the majority are predicting that rates will stay flat or fall – but we think there’s every chance they’ll go still higher. And that’s bad news for the indebted UK consumer, and buy-to-let investors in particular.
If interest rates go even slightly higher, many more amateur landlords will be unable to cover the shortfall between the cost of their mortgage and their rental income. Then they'll all sell at once..
The big mistake your financial adviser makes
But let me stop here and take a moment to explain the “big picture”. Because, frankly, our recommendations are worthless if we have the big picture wrong. Of course, many investment advisers don't even bother to think about the big picture. They were suckered into a serious error by recent history. As long as the banks made it easier and easier for people to get their hands on money, the big picture didn't seem to matter. The idea was merely to BUY!
So you bought shares, or property, or bonds, and the chances were very good that you would make money. So, analysts came to believe that there was no point in thinking about the big picture at all. “Just tell me what to buy,” they would say.
Unfortunately, there comes a time when they should sell most investments, not buy them.
Let me explain. Forgive me if I'm telling you more than you wanted to know, but this is important.
The origins of the 1980-2004 boom were rooted in a strange phenomenon that happened 9 years earlier. For on 15 August, 1971, the US had dropped any pretense of ever paying its debts in gold. From that day forward, dollar holders trusted in good faith and the good judgment of the Fed - and nothing more.
The US suddenly had a licence to print money - as much as it wanted. This sent catastrophic ripples across the Atlantic. In the UK, the banks lent money hand over fist. Inflation soared to 20%.
“You can't trust paper money,” said the crowd, and so they sold the dollar, shares, bonds, everything. The FTSE 30 index fell 70% between 1972 and 1974. House prices collapsed. The gilt market crashed. To protect themselves, investors bid up the price of gold to over $800 an ounce.
Thus was the stage set for a big surprise. Paul Volcker appeared on the scene in the US and clamped down hard on inflation. With interest rates up to 20%, he tightened the screws and the economy went into a slump. Americans were so angry they gathered on the Capitol steps and burnt Volcker in effigy. But Volcker's reforms held. The dollar stabilised. Inflation declined. And for the next 24 years, interest rates fell, until Alan Greenspan took them all the way down to 1% in 2002.
Why am I telling you all this?
Because when Wall Street sneezes, the City catches a cold. In the UK we are continually tied to the decisions made on Capitol Hill.
So I want you to understand that it was not a coincidence or a fluke that the FTSE shot up in the late '90s or that houses soared in the early 2000s. Both were a natural consequence of a world in which money - and the US dollar is the king of all the world's money - was becoming easier to get. Generally, when interest rates come down, shares and property prices go up. It's that simple.
And what happens when interest rates go up? Just the opposite.
Our next recommendation is obvious:
Time-bomb investment #2: dump the Dow... before it is too late!
On the surface, the fundamentals in the US look fine. GDP rose 4.4% in 2005, 3.2% in 2006 and 3.2% last year.
So far, so good.
But unlike "normal" economic recoveries, this one looks fragile. Because the money has been fuelled by easy money and debt, growth can disappear as quickly as it arrived.
That's pricing in way too much good news.
In fact, the news will not be good at all.
Inflation? Deflation? Either way, it is bad news for stocks.
Look, there are things we know now and things that we will have to wait to find out. Is the world economy sinking into deflation - because of massive Chinese price-cutting and a huge mountain of debt? Or, with central bankers furiously trying to keep the ball rolling, is it inflation we have to fear?
We don't have an exact answer. No one does. But we have a better answer than most. What we know now is that the world economy is UNSTABLE. It is unstable because all the Fed's loose money has led to too many mistakes:
- Too many people have borrowed too much money.
- Too many people bought houses they can't afford to live in.
- Too many people own stocks that aren't really worth what they paid for them.
- Too many people in America count on the savings of too many other people in foreign countries just to make ends meet.
Since the easy - money policies beginning in 1980, the whole world has been swamped with debt. And there's a whole Everest of data to prove it. Alan Greenspan, for example, created more cash and credit than all the other Fed chiefs put together. The new money was not backed by gold, or cars, or wheat, or Barbie dolls - or anything. It was just made up - out of thin air - by the Fed (thanks to that daring policy change in 1971).
Here's one way to get a grip on this idea: it is as if the whole world's economy and its financial markets were responding to money that wasn't really there - phony money, in other words. Can you blame people for making mistakes?
I hope I'm not losing you. I know some of this is complicated. But that's the world we live in and it's the world of MoneyWeek.
Allow me to tell you more about this unique magazine, then I'll give you more of our recommendations.
The problem facing every private investor
When it comes to keeping up with financial and investment news, I'm sure you know the problem.
A great tip may be buried somewhere deep in the pages of The Times or the Wall Street Journal, or get a fleeting mention in a Bloomberg bulletin. Or maybe there's part of a vital story on breakingviews.com and another snippet hidden away in The Fleet Street Letter.
By the time the average investor has pieced it all together, or the true significance of this information makes the headline news in the financial press, it's usually too late to make the most from your investment. You might make a few pennies, but the tip is too tired and commonplace to have any real impact on your profits.
Likewise, if you take a tip out of context and invest rashly, you could lose the lot. The chaos surrounding the dot.com craze was proof enough of that.
Which is why MoneyWeek is such an essential service for any investor who really wants to know what's going on in the world of finance and investment.
Now you can profit from the very best investment tips and City gossip in minutes!
We shear through pages and pages of articles, websites, bulletins, newsletters and reports to bring you the most thorough and accurate investment advice you'll find ANWHERE... and to bring you that special knowledge that separates real investors from people who just throw their money around.
Last year you could have made gains of 87%, 62.7%, 79.4%, 75% and 82% in a very short space of time from tips found in MoneyWeek. This year insiders predict there'll be even bigger gains. But you must know where to invest, and what to avoid! And this information has to come from an unbiased, professional source, one that has no stake or personal interest in the investment.
Which is why I am telling you this as a matter of some urgency.
You see, some of the best investment tips we've seen for months are just about to be made public, and for you to make some serious gains, we must hear from you within 14 days if we're to get you this information in time for you to profit!
That's why we'd like to send you the next 3 issues of MoneyWeek on a no-risk FREE trial, so you can benefit from the cream of investment tips that must be acted on now - and avoid the investment traps that other people fall into.
Here's another investment trap, for example:
Time-bomb investment #3: China... at least, stand back for now...
Everyone was recommending getting into China. But after years of experience, we've learned that when everyone is thinking the same thing, no one is thinking at all.
Besides, everyone knows you can't trust the information coming out of China. At best, it is biased. At worst, it is pure lies.
So we sent our own correspondent, Dan Denning, to China to get to the truth. He went everywhere, talked to everyone who spoke English and saw with his own eyes the dramatic and exciting story that China has become. His conclusion:
“Yes, China is a long-term buy. It is the next powerhouse economy. It is the economy of the 21st century.
“But no, China is not a buy now. Instead, it's a time bomb. Here's what's happened.
“From December 2003 to April 2004, there was a frenzied rush into China, increasing share prices by more than 38%, despite the fact that the economy grew only 9%. Subsequently the market crashed and has been rallying again since December 2005. However, this was following a series of structural reforms and the market still looks fragile."
“As soon as consumption falls off in the US - as surely as it will - the Chinese export-led economy will be hit hard. At the same time, a bubble is developing in the property market (prices in Shanghai and Beijing have seen double-digit growth for a few years now and speculators have been piling into a building boom) and many of the country's banks are in a poor state financially.
“Longer term, it won't be a smooth ride either. For starters, take the fact that China has no meaningful pension system, despite the fact that by 2025 it will have 220m senior citizens with no real social safety net (China's one-child policy has left them without a traditional support network). Then there is the public health cost of China's rapid development. This kind of fast-paced industrial growth hits the population hard. And it implies big medical bills in the future. This rather suggests that China's comparative advantage as a low-cost manufacturer is not sustainable.
“There's also a political risk in China: more than 50% of China's population still works in agriculture and lives in a state of poverty. As it gets richer and its farmers get older, at the very least you have an economic problem. At worst, you have a political one: the rural interior versus urban coastal populations and mega cities, perhaps. Now is not the time to be holding Chinese stocks.
“To make a long story short, Americans bought and the Chinese sold. Americans borrowed and the Chinese lent. Americans squandered their capital and China built up its capital. Everybody has over done it. The Americans have too much debt. China has too much capacity. The next stage won't be much fun for either of them... though China should come out much better off in the long run.”
So if not China - WHERE?
With MoneyWeek, you'll get big-picture insights just like these, but with specific recommendations and analysis of the investments making money right now. For example, recently we've shown investors how to:
- Spot the hottest commodities
As far back as August 2002, we were certain that crude oil prices would surge, and that oil shares were far too cheap. We told our readers so. And what happened? Since, oil has gone up 227%. In April 2005, Richard Tonkinson of Williams De Broe suggested it might be worth looking at three resource shares to play the commodities bull. They have paid off handsomely, bringing in a combined increase of 413%. One of those plays alone, Heritage Oil corp increased by a whopping 827%. - Make quick gains from precious metals
In June 2003, we were quick to spot demand outstripping supply for platinum. We recommended a must-have investment in our June issue of MoneyWeek - Lonmin. Its shares have so far shot up 327%. Platinum is now peaking, as investors pile into this stock far too late. But that's not the end of this sector opportunity. Right now we're tracking several buys that are starting to tempt the shrewdest fund managers. We'll tell you exactly when to get in, to avoid the duds and make big money in the coming months ahead. - Take easy profits from hot currencies
In our January 2004 issue, we told readers about US fund manager, Arnie Schneider's favourite shares. Two of them were USA coal shares, Massey Energy and Consol Energy. After a drop in production during 2003, he expected them to increase production drastically and boost their profits. He wasn't wrong. By December 2005 these shares were up 100% and 224% respectively.
MoneyWeek offers you informed opinions on every investment opportunity out there, by wading through hundreds of company accounts, financial press releases and publications. But, perhaps more importantly, we are privy to rumours and whispers from the Square Mile that are hidden from most people, which allows us to give you our unique view on what's really going to happen.
So you can be sure, as sure as anyone can be in this business, that the tips and advice you read in MoneyWeek will work for you, will protect your hard-earned money from disaster, and will allow you to make sure-footed gains that most people can only envy. Unfair perhaps, but that's the way the world works.
For years, serious investment professionals have used MoneyWeek to get a handle on what's really going on, what their contemporaries think, who's saying what. Now I'd like to invite you to share the same vital, time-sensitive information that will put you squarely among the country's investment elite.
Here's more of what you can expect from MoneyWeek:
- RED-HOT OIL STOCKS
Back in our August 2002 issue of MoneyWeek, we led with a story that predicted oil prices would NOT fall after a “quick victory in Iraq”. In fact, the surging oil demand in Asia (coupled with the growing political problems in Venezuela) would only push prices up. Which is why we concluded certain Eastern bloc oil equities were way too cheap - including Sibneft, Surgutneftegas, Lukoil and Premier Oil.
By the end of 2005, shares in these four companies had risen by 100%, 236%, 275% and 300% respectively. All you had to do was follow the reports in MoneyWeek and act on them. Simple as that. - BUY GOLD!
Back in November 2001, our message couldn't be clearer. Everyone was saying gold would climb, but we offered much more than that.We revealed that the best way to get exposure in gold was through a unit trust like Merrill Lynch's Gold & General Fund. This one tip off would have netted you a tidy 165% gain by now.
And while others were fading in their enthusiasm for gold, we pressed on. In our February 2002 issue, Bill Murphy of LeMetropole-Café.com recommended Gold Fields and Golden Star Resources. Just from that ONE issue, you could have reaped gains of 103% and 148%.
But these results are nothing compared to our expert predictions for the next 12 months. In fact, some of the most exciting and profitable changes in world economics will appear in the next 3 issues of MoneyWeek... and I want you to take a look at them as soon as possible.
That way you can start to profit immediately, getting in at the same time as the City's top investment experts, before the prices go through the roof.
But you must tread carefully. While MoneyWeek seeks out hidden profits, wherever they may be in the market, it also warns you of dangerous big-picture trends. Like this one:
Time-bomb investment #4: drop the dollar
America has huge economic problems. Currently the Federal budget deficit is 7% of GDP. Put plainly, the US is importing substantially more than it is exporting.
The problem is that for several years this trade gap has been financed by Asian central banks buying huge amounts of US Treasury bonds. In effect, the Asian central banks have indirectly lent money to American consumers and corporations, allowing them to carry on consuming. But this can't go on for ever.
Indeed, the flows are already slowing.
At the same time, foreigners are buying less dollar-denominated securities, so the demand for dollars from this source is falling too. This is the key reason to think that the dollar will keep depreciating.
Of course, there's much more to the story. Much, much more. But you'll discover that in your weekly issues of MoneyWeek. Each week, in our news roundup page we tell you not only what is happening in the world of money, but more importantly - what it MEANS.
What we're really seeing with the falling dollar is a consequence of 1971 - when the US Treasury cut the greenback loose from gold. This just goes to show how long these trends can be. This was inevitable, predictable and unavoidable. When people have the power to print money, sooner or later, they will print too much and destroy it. That's what has happened every time in history.
The fuse has been more than 30 years long, but now this TIME BOMB is set to blow up. Get out before it is too late.
Time-bomb investment #5: high-yield bonds
High-yielding, or “junk”, bonds are very expensive. You pay almost as much for them as you would pay for a “safe” government bond.
In 2004, Warren Buffet called this rise in prices “miraculous” and grabbed the opportunity to sell. He repeated the sentiment earlier this year at the Berkshire Hathaway shareholder meeting, warning that junk bonds were still in an “extreme” position despite signs of a price correction. Put simply, the reward on offer from junk bonds does not justify lending to such high-risk borrowers.
But it isn’t only junk bonds that are poor investments. Even the yield on normal corporate debt is down. Corporate bond returns will struggle to exceed government bond returns as yield spreads are historically low.
These yields are especially worrying given that government bond yields (i.e., interest rates in general) are no longer in a downtrend. What this suggests is that Western bond markets have got complacent: low yields reflect a low expectation of bad news. Yet oil has recently hit an all time high, Iraq supplies daily bad news, and Al-Qa'eda is still on the loose.
The last time the market was this complacent was the summer of 1996, which was just ahead of both the 1997 emerging market crisis and the 1998 Russian debt default. Sooner or later, new bad news will arrive. And when that happens, you do not want to be holding junk bonds.
But there's good news too
The good news is simple. Nothing goes down without something else going up.
Our guess is that we are entering a period of intense confusion - while the trend of the last quarter century turns into the trend of the next. People will wonder what is going on. They will wonder why the investment strategies they learned over the last 2 decades no longer work.
During this period - which will probably last for another year or so - the major trends will not be clear. Most people will not even notice that the prevailing climate has changed.
Too bad for them. Because there are many investments you can make, if you pick them carefully, that will make you money during this transition period.
For example, we're recommending shares in Japanese companies, particularly those with strong property portfolios. This is what I mean by trends reversing. Because while Britain and America boomed in the '90s, Japan lived through a slump that took its stocks down 75% and its property down as much as 80%.
But guess what? That's the way markets work, isn't it? One thing goes up, another goes down. Now that the US and Britain are ready to stumble, Japan is finally getting back on its feet. Already, our Japanese recommendations are up as much as 72.45%. And the best is still ahead.
What else will go up? How about oil?
Oil is peaking out
Talk about long-term trends. In almost every year for the last 2 centuries, the world pumped up more oil than it did the year before. This fuel powered the industrial revolution and the machine age in the West. And now, the East is getting in the act. China, India and the whole Asian area - with a population of some 3 billion people - is industrialising and modernising at breakneck speed. The world has seen nothing like it. Which means demand for oil will soar in the next few decades.
But, uh, we have a major problem.
After 200 years of increased oil production, finally, the world has reached its limit. At least, that's the theory of a group of oil engineers who say that worldwide oil production has peaked out - forever.
From here on, oil supplies will go down - at the very moment when the demand is set to skyrocket. Hmmm... Falling supplies...soaring demand? Does that sound like a formula for higher prices? Yes, it's a classic, and we give you specific, but not always obvious, ways to take advantage of it.
And one investment - almost guaranteed. You should make 2,000% or more!
And there's one investment you can make that you can buy without worrying too much, stick with and ride it all the way to the end of this next major trend.
That investment is extremely simple. And extremely safe. It is almost - but not completely - guaranteed not to lose money. And if it does as well during this next cycle as it did the last time we went through a cycle like this, you will make about 35.6% profit on your investment every year for the next 10 years!
I know, I know. It sounds impossible. But it's true. This is a strange and unusual time we are entering. The last time we encountered a cycle like this, this investment ran up more than 2,000% in less than 10 years. Our guess is that this time you will do even better.
And most important, this investment is a kind of insurance against all the many things that can go wrong - in politics, finance, investments, economics you name it. Look for more on this “insurance” investment in your FREE trial issues of MoneyWeek. We believe it is so important, hardly a single week goes by that we don't mention it and urge readers to buy.
You'll also discover the recommendations that rocket by 79%, 82%, even 87%
Just last year, MoneyWeek reported on undervalued stocks just at the right time, so that our readers could maximise their profits. By taking the cream of share picks from up to 45 different fund managers, we make sure that you receive share tips well before the common man, such as:
- Monsanto - up 87%
(sourced by Mark McLornan, Agro-Terra). - Medusa Mining - up 82.3%
(suggested by Bob Catto, Williams de Broe). - RioTinto - up 79.4%
(tipped by Mileen Rash, Henderson Global Investors).
Of course, many people got in at the tail end of these tips, once the share was moving up and its success was apparent to all.
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- Discover how you can pay less tax every single year (if you have kids, you'll love this).
- The top-5 ways to reduce your personal debt revealed. Believe it or not, nearly EVERYONE gets this wrong.
MoneyWeek is truly the smart investor's bible. It is the best, most concise, most powerful read for anyone who's interested in what's really going on behind closed doors in the Square Mile. MoneyWeek will make you far better informed than most private investors. And, as we've already discussed, being privy to the right information, at the right time, can make you financially secure for life.
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MoneyWeek has already helped so many investors (from the novice to the experienced), just by cutting out all the claptrap and bringing you the right investment advice at the right time, with no hidden agenda. We don't profit from our tips, we're not paid to plug an investment, we're beholden to no one except you. The tips, articles and advice you'll find in every packed issue of MoneyWeek have one aim only - to help you build real wealth and become financially secure.
Here are a couple of the private investors that you could soon be joining:
- “Have I made money as a result of information and tips read in MoneyWeek? Yes, I have. More than this, thanks to your regular features on tax planning I have saved money too.”
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And now it's your turn to benefit and profit from MoneyWeek.
In fact, I have a serious proposition for you.
I'd like to send you MoneyWeek FREE for 3 weeks. If you don't think you can profit from it, then you have absolutely no obligation to continue.
Accept this invitation to try MoneyWeek for FREE now.
Sign up for our special 3-week FREE trial, and I'll see to it personally that you receive the next 3 issues of MoneyWeek absolutely FREE OF CHARGE. This is a genuine, bona fide offer. No strings. No catch. You have absolutely nothing to lose.
Read through the issues. Use the tips. See what you think first-hand before coming to any decision. If you're not convinced that MoneyWeek is for you, just contact us at any time during your 3-week FREE trial, and we'll stop your subscription immediately. The 3 issues will be yours to keep.
However, if you decide that all the expert and top-level information in MoneyWeek has the power to transform your finances and make your investments really work for you, then I'd like to offer you a very attractive price indeed.
You will only pay a fraction of the usual subscription rate -
for the same highly prized information.
The usual cost of MoneyWeek is £112.20 for a full year. But because I really want you to benefit from MoneyWeek, and not be inhibited by price, if you decide to continue receiving MoneyWeek after your 3 FREE issues, I would like to offer you a special subscription for only £19 every 13 weeks through Direct Debit. That's a saving of 34% off the cover price.
Alternatively, you can choose to pay by credit card and enjoy a whole year (51 weekly issues) of privileged investment knowledge in MoneyWeek for just £79 - a saving of 30%.
This is a special invitation.
Please understand that this is a very special invitation. For the individual who's serious about making (and protecting) their wealth, this is a golden opportunity to make some big returns in 2008 and beyond.
I hope you take it.
For your 3-week FREE trial of MoneyWeek, just click on the link below.
Yours sincerely
Toby Bray
Publisher, MoneyWeek
PS: We would like to send you your first free issue so you can start investing wisely and making big gains right now! So please reply now to catch the latest issue.
PPS: Experts from all investment sectors are predicting the months ahead will throw up some surprising and extremely profitable opportunities, as well as some severe pitfalls. To ensure you know which is which, sign up for your 3 FREE issues today.
