How Big Investing is Small

Merri’s and my personal equity portfolio is one of the most complicated in the world.

Thousands of shares in 18 non US stock markets are represented.  The investments include dozens of currencies.  One precious metal has been added to the mix.

Yet this big, complicated portfolio has a small cost, requires only small amounts of time and has the smallest amount of worry.

Our trading cost for this monstrosity?

Less than $20 in the last two years.

This must take huge amounts of time?

Just minutes…

The investments took just minutes to buy and only spend minutes a week monitoring the results.

This gives me time to focus on my  passions-family, life and my work, which has always been a more dependable source of  sustenance than investments.

Here is a review of one of Merri’s and my personal investment accounts using the principles of the Purposeful Investing Course (Pi).

This particular Portfolio is held at the online brokers  This means that my original investment of $40,000 has trading costs of just $9.95.  I added the platinum ETF PLT which cost another $4.95 so my trading costs in two years has been less than $20.

This portfolio (Blue Line) has risen much faster than the S&P 500 (Green Line) in the last 6 months.


Click on images to enlarge.

Here are the shares in the portfolio.





This personal Pifolio is heavily weighted in the developed markets. Here is why.

Pi depends on the value analysis of Keppler Asset Management and the latest Keppler analysis of good value emerging markets show that the price to book is 1.34 compared to 1.47 for good value developed markets.  The PE ratio of the emerging markets is much better, 12.9 versus 19.0 but here is the catch… the average dividend yield for emerging and developed markets is almost the same, 3.35% for emerging markets versus 3.31% for developed markets.

Developed markets have lower volatility.   This stability, along with the similar dividend yields, fits my personal needs (higher income) as Merri and I are in our 70s and we don’t work as hard as we used to.

Emerging Market Values


Developed Market Values


This is a low cost portfolio.  The shares have been purchased at a good price to book value.

Compare the price to book of our portfolio to the US Stock Market.  We purchased our shares at about 1.4o to book.  On average you’ll buy US shares at 3.13 times their book value. On top of that, our portfolio earns an average yield of  about 3.3% compared to the average yield you’ll earn from US shares.

We can never know what will happen n the global economy.   We can know how much we are paying for this unknown and we are paying a lot less (and getting more).

Plus currently there is good appreciation.  We get all this plus enjoy more time because very little time is required to monitor this portfolio.

This is a formula which fits Merri’s and my needs and might fit yours as well!

Whatever your needs, when investing, always look for value, keep your costs low, diversify but not too much and remember that every investment has risk.

The Purposeful Development Course (Pi) is currently examining each Good Value Stock Market in good value countries, one at a time.  Learn more about Pi below.


Borrow Low – Invest High

Turn $29.95 into $7,313 profit…

This has happened already… and that profit came in less than seven months!

Right now, an amazing investing trend is taking place. 

Right now.  Most investors will miss cashing in.  You do not have to lose out.

Really?  Let’s take a look why…

Borrow $10,000.  No loan application is required.  Or you can borrow $1,000 or $100,000. The amount does not matter much.  That decision is yours.  You’ll  get the lowest interest rates of any broker, (according to the Barron’s 2017 online broker reviews), right now between 1.41% to 2.66%.

Here is what has happened…

The trend is already on it is way.  We first alerted readers in December of 2015.  Just recently the trend turned hot and is accelerating, so you cannot wait long.

The two charts below are from one of my personal, real test accounts.  I set up the accounts and invested with my own personal funds to track what’s going on (and profit myself) so I can share my discoveries with readers.

There is no fake news here.  The figures below are the results of real money invested after costs… and the profits are growing  as you read this note.

We made the investment, based on a mathematical value analysis, before the trend started. We have been waiting since for the investment’s evolution to roll.  This is the best way to invest,  spot a value anomaly, get in position and wait… like a hunter.  The trap is set.


We were patient.  The profits did not come as fast as expected… but as you’ll see, the waiting was really worth while.  We did not have to spend a lot of time trading either.  We have better things to do in life.   This is a time saver type of investing.  The tactic also avoids costly trading fees that eat up most investing profits.

We stalk.

Find good value…

Invest. Wait until the trend picks up.

Then we profit!

Like right now…  as these real time results since January 2017 show.

We took our position at the end of 2015.   The results for the first year (shown in the blue line) were not bad.  They were a bit better than the S&P 500 (green line)… for those who waited.


January 2017, the trend really started to warm.

In May, 2o17 it became hot!


Let’s look at this in numbers…

The portfolio was $41,594 at the beginning of January this year.  In just over seven months that portfolio grew to $49,397, up $7,803 or 18.76% of the total portfolio.

But wait a minute…

Because a loan could be made (at 2.66%) only $10,000 need be invested.  $31,594 of investment could be derived from an investment loan.  The interest on that loan for seven months was only $490.  After that loan cost, the profit was still $7,313 or 73.13%.

73% in just seven months?

That’s right, already.  There is even greater potential ahead.

Learn how to tap into this profit which most investors will miss…

Discover… where to get the investments… where the best loans are…  how the strategy works.

This information is in my report Three Currency Patterns For 50% Profits or More.”

I have taught the concept in this report to tens of thousands of readers. They have made millions.

In 2015 I updated and offered this report for $29.95.

You can get the report while the trend is hot… and you can  get it FREE.

I’ll explain why I want as many readers as possible, and why you’ll want it, in a moment.

First let me answer a really important question…

Isn’t there some risk?

Yes.  There is always risk when you invest.

The first golden rule of investing outlined in the report and our Purposeful investing Course (Pi) is…”there is always something we do not know”.

The numbers above are what have happened.   We never know for sure what will happen.

But there is a way to dramatically increase the odds that your investment will reap this type of high reward and be safer because of Pi Strategies.

Pi stands for the Purposeful investing Course and Pi strategies are built around several layers of tactics.

Pi Tactic #1: Diversify 80% to 100% of a portfolio equally in ETFs that invest in good value developed and emerging equity markets as defined by Keppler Asset Management.

Pi Tactic#2: Use trending algorithms from to buy, sell or hold these good value ETFs.

Pi Tactic #3: Add spice with ideal condition speculations in forex distortions and precious metals.

The Purposeful investing Course (Pi) is NOT about fast moving, speculative stock and currency trading.  Pi is about slow, worry free, good value investing based on mathematics.  Pi’s is to save time by investing for profit, not pride. 

This means there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make the world a better place.

We should not invest for fun, excitement or to get rich quick.  Let’s put our time to better use.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years.  During these two years we have been steadily accumulating the same 19 shares and have not traded once.

Now the trend behind every one of these shares is up!

It’s not too late to capture this trend.

This good value portfolio is based entirely on good value financial information and math.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pi analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

The report I am offering you free reveals all 19 ETFs that are being swept up in this trend.

These shares are the main portfolio we study in our Purposeful investing Course.  Then we add spice with leveraged speculations that offer additional profit potential often using leverage.

For example in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place and are driving this current trend.


The current strength of the US dollar is a second remarkable similarity to 30 years ago.  Three decades past, in 1985 the dollar rose along with Wall Street.  Profits came quickly over three years.  Then in 1988 the dollar dropped like a stone, by 51%  in just two years.

A repeat of this pattern has been  growing, has started and could create up to 50% extra profit by the time it ends.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.   My short, but powerful report “Three Currency Patterns For 50% Profits or More”  is simple, gets right to the point and shows what to do, plus includes links to 153 pages of Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.

The report shows 20 good value investments and a really powerful tactic that allows you to accumulate these bargains now in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

You can order this report Three Currency Patterns For 50% Profits or More” for $29.95.  Order the report here $29.95

You can have the report free when you subscribe to Pi.

The purposeful investing Course (Pi)will help you cash in on this current trend.

Feed a man a fish.

We have all heard the story.

This is the basis of Pi, to give you an easy, low cost repeatable routine so good equity, currency and metal trends can be found again and again.

Our courses on investing have been helping astute reads find value investment again and again for decades.

For example in 1986 I issued a report called The Silver Dip that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

silver chart

Imagine investing in a spike like this… with leverage!

Silver had crashed, I mean really crashed from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip returned 30 years later.  The availability of low cost loans and silver were at an all time low.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver had crashed all the way from nearly $50 an ounce to below $14 an ounce.  At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.  As explained above, that report helped create a 98.68% profit in just eight months.

The “Silver Dip 2017” report shows a new, even bigger opportunity.  After 50 years of global business and investing, I have learned to watch for aberrations in currency and precious metal markets.  Sometimes a rare quirk, such as we saw with the yen loan and the Silver Dip offers potential for profit, but almost no risk of long term loss.  I’ll give you a hint… the new report might better be named the Platinum Dip

Investors who jump in at the correct breaks in the sequence can make fortunes.  Success is almost guaranteed.  In fact an 89 year study showed a 99% change of success when sequence distortions are worked in a certain way.

That trend is over now but a new metals trend is in place.

We have stalked it.

The trap is set. We are waiting…

This opportunity is explained in the report Silver Dip 2017.

You can order the Silver Dip 2017 here for $39.95

See below how to get this report FREE and Save $171.90

Subscribe to the first year of The Personal investing Course (Pi).  The annual renewal fee is $299, but to introduce you to this online course that is based on real time investing, I am knocking $102 off the subscription.   Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2017” for a total savings of $171.90.

Triple Guarantee

Enroll in Pi.   Get all issues of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2017 right away.   We’ll set up an annual renewal for you at $299 per year if you decide to continue getting updates.

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.  If you are not totally happy, simply let me know anytime within 60 days.

#2:  I guarantee to cancel your subscription and refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2107”  as my thanks for trying.

You have nothing to lose except the fear.  You have the ultimate form of financial security to gain.

Cash in on this hot trend now.

Save $171.90.   Subscribe to the Pi for $197.


(1) Learn more about ENR Asset Management services from Thomas Fischer

(2) Bloomberg: Dollar Index Chart

(3)  Silver etfs slide as dollar bounces

(4) Learn more about here.

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