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Investment Articles
Testimonials
Thanks Hannes – you have changed my life!
The Formula For Riches is indeed a proven system to get rich fast.
Ben Durant
“I applied what I
learned in the Formula For Riches. I limited my risk to less than $15
and made more than 21000% growth within the first year on my
investment. This is a fabulous and easy way to learn how to make money
fast"
Gideon
Le Roux
“From a
novice to a successful investor in less than one year. What a way to
get a financial education and to get rich fast"
Juan
de Villiers
My total risk were less than $15 – this
investment grew to more than $27 857 in less than a year. This represents a growth of more
than 195000% The Formula For Riches is indeed a magic
investment strategy “
Ian Van Greunen
"I am
blown away - I made more than 1700% on my first real estate investment
in less than a year - The Formula For Riches is true magic.
Thomas
van Schalkwyk
I calculated the IRR -
(Internal Rate of Return)- on my investment over three years
as 22860% - a stunning twenty two thousand eight hundred and
sixty per cent. By applying the Formula For Riches the smaller the
investment the higher our IRR Just as you explain in your
Formula For Riches.
This Formula is
really AMAZING
Gletwyn
Rubidge and Chevonne Bishop
All my websites
will help you in your quest to become a Wealth Creator
|
Retire Quickly
You can retire quicker than you thought possible!
Just by
following the simple, proven Formula for Riches™ and the
Retire Quickly System™ - now available for the first time
ever!
And yet,
according to the actuaries in the insurance industry:
-
1% of all
people who are 25 years of age today will retire rich;
-
5% will retire
financially independent (able to cover their cost of living);
-
6% will be
dead;
-
and the rest
will still be working, not because they want to but because they have
to ... or else they depend on their families or the government
Is it because
they didn’t save long enough? Hard enough? Earn enough?
Yet we are constantly told
that we should attend to our retirement planning and many millions of
people have retirement plans, pensions and retirement annuities (401(k)
plans) for this purpose. So why are the statistics so bad?
And how on earth, having read this, can you believe what I am going to
ask next:
Did you know that
it is quite unnecessary to work hard for 40 years or more in order to
retire in comfort?
In other words, to beat the statistics in a big way?
The reason men and women expect to work this long is quite simple:
no one showed us that we could
easily retire quickly - in fact less than ten years by
correcting a few mistakes and
applying the Formula for Riches™ and the Retire Quickly
System™.
Can you believe that, according to industry statistics, the traditional
approach to retirement planning is fatally flawed?
The system was designed to keep you from retire quickly, That
for most people
the old “Work, save and invest for 40 to 45 years”
approach has never worked, and never will?
What would you say if you learned that the reason the retirement
picture looks so sad for most people is because we have been lied to
for decades.
Not by criminals who want to harm us, but by a group of
“experts” who think they’re doing the
best for us, but who are totally misinformed themselves?
Imagine that these “experts” have been teaching us
the wrong approach to retirement because they themselves were taught
incorrectly?
The only true measure of financial independence is the ability to stop
working anytime you want to. For most people this is unthinkable, and
that includes the “experts”!
While most of them make a lot of
money, they cannot stop working. Isn’t that strange?
Don’t you think that if they really had the answer,
they’d be financially independent themselves?
Perhaps they are still tied to a monthly income because they themselves
are misinformed, and although they may be making a big income, they
will never be in a position to retire themselves simply because they do
not question for a minute that retirement is a 40 - 45 year project.
Let me tell you
about the traditional method of retirement planning and you can decide
for yourself whether or not it works.
- I am qualified to tell you the
inside story because I started my professional career as an insurance
salesman.
- I went to the top of my
profession both in terms of sales (I was in the top 1% of the top 1% of
salesmen in the financial planning industry in the world - measured in
dollar terms)...
- ... and in education (I have
several degrees in financial planning - (see my CV).
- ... and I
was financially independent at age thirty seven, without
making use of the traditional ways like retirement annuities. pension
funds, endowment policies or unit trusts.
In essence what
the financial institutions and experts taught me was the following
approach to retirement:
- Retirement
= work hard for 40 - 45 years.
- Save part of every
month’s income you receive.
- Invest what you
have saved in one of the financial institution’s products,
and let compound interest work for you over a 40 to 45 year period by
not touching anything you have invested.
- Leave
it to the experts to make your money work for you - it’s
complicated and you are not qualified to handle it yourself -
it’s too important to risk making a mistake.
- If you save enough
and follow this approach diligently for 40+ years you will then live
off your investments till the day you die.
Until 1997 I was
part of a multi-billion dollar financial services industry, (consisting
of insurance companies and banks) that specialize in money.
I received the
“best” financial planning education in the world
and they taught all financial experts the same approach: the
traditional way of planning for your retirement is the safe, correct,
and only way.
- I
must tell you that I believed this wholeheartedly myself.
- I
threw myself into my profession and I liked to refer to myself as a
professional financial planner because I had the degrees to prove it. (see my CV).
- I
was also convinced as a financial planner that I was doing the right
thing by teaching others the same approach and then helping my clients
by advising them to invest in financial solutions like endowment
policies, retirement annuities, unit trusts and various hybrid forms of
share investment-related products.
- I
didn’t question this approach to begin with.
Wouldn’t you assume that if all the experts and all the
institutions are telling you this, and at the same time
they’re spending billions on advertisements to spread this
message, then surely they must be right and they must know what they
are doing? I did.
But
then something happened.
After two years
in the industry I was sent on a retirement planning course. During the
course I started to realize that something was wrong, although I could
not pinpoint it at that stage. What made me start to ask questions were
the statistics from within my own industry with regard to retirement.
It
was my own industry’s statistics that made me start to wonder
whether the traditional approach really worked!
According
to the actuaries in the insurance industry:
less
than 1% of all people who are 25 years of age today will retire rich;
another
5% will retire financially independent (able to cover their cost of
living);
6%
will be dead;
and
the rest will still be working, not because they want to but because
they have to ... or else they depend on their families or the
government.
These statistics
disturbed me. I asked our lecturer:
“If
we are offering people the solution, then why on earth are so few of
them able to become financially independent after a
lifetime’s hard work?”
The standard
answer the financial institutions are giving to the question of why
traditional retirement planning does not work for the masses is because
people are either not educated or too
undisciplined, or both.
That answer made
sense to me at the time.
But as time went
by I saw that while this might be true for some individuals, it was not
true of everyone I dealt with. And this led to me questioning whether
retirement planning was built on the wrong foundation -
Is
retirement planning designed to support the financial services industry
and not the customer?
In this case,
the flaw lies not with the experts - who are trained to sell certain
products and do so in the belief that they work. The flaw lies with the
financial services institute and the educational system that teach the
experts financial and retirement planning that does not work. In other words, do the financial institutions sell
their products to the experts who in turn sell it to us? For the
benefit of themselves?
The product of
the financial services industry is MONEY.
Companies train
and pay “experts” to promote and sell their
product. Is it not strange that all the solutions to your financial and
retirement planning are provided by the financial services industry? Isn’t
it also rather convenient - we just have to hand over a chunk of our
(after tax) incomes and then we can relax?
I
started to wonder about all the adverts I saw on TV and on billboards,
telling me to trust my future to the experts. Sometimes I noticed that
they warned me not to do it myself, or assumed that I already knew that
I was not capable of taking care of my own financial future.
- Are the masses conditioned to
believe they must trust the experts ... and mistrust themselves?
- Do we follow these
instructions, and does our trust turn into belief which then turns into
a certainty we are very unlikely to question?
- Which is fine, but what if the
“experts” are wrong? Where does that leave
me?
- Do I have recourse if, after
following these instructions for 40 years, I cannot live off the income
from my policies? What does the fine print on my policy documents say?
Could
it be that the best and easiest way to sell financial products is by
misleading millions of people into believing that traditional financial
and retirement planning will provide a solution to their problems?
Is Elbert
Hubbart right when he says: “The recipe
for perpetual
ignorance is to be satisfied with your opinions and content with your
knowledge”?
In other words,
by not taking the responsibility to find the truth do we stay ignorant?
And is ignorance dangerous?
Are
we lulled into a sense of false security by the reassurances of the
experts? Experts who have qualifications like CFP, CFA and CA degrees
... all of which stop the average person asking too many questions
because it is clear
that they are cleverer and better informed?
Is it possible
that these degrees are based upon a method that promotes the financial
services industry’s products and strategies that are designed
to keep the masses ignorant and poor?
Because the
masses are ignorant about what really keeps them poor they invest
billions of dollars in an industry that cannot help most people become
rich - or
that’s what the statistics say, anyway. Yet the companies
report big profits and pay big dividends to their shareholders.
So
it would seem, based on the statistics, that the people who benefit
from the advice and ‘free planning’ the financial
services industry gives are the financial institutions and not their
customers ... and they are making millions.
One
wonders: Is it not therefore in the interest of these giants of
industry to deliberately misinform the masses?
As long as the
masses are uninformed about this truth, the financial institutions will
simply continue to make millions.
What
is wrong with the traditional method of retirement planning, and how
did I discover it?
As soon I got
home after the retirement planning course I did my own retirement
planning.
To
my horror I discovered that, according to the retirement planning
method I had just learned, I would never become rich or retire in the
style I planned to.
As you can
imagine, I was really disturbed about this fact and redid all my
calculations over and over again to try and find out what was going on.
Each and every time I came up with the same chilling answer:
There
was no way I would be able to retire rich, no matter what I did, if I
followed their method of retirement planning.
Now
I know that most people at this stage would doubt their own ability to
add, decide they were doing something wrong, or just give up because
there seemed to be absolutely no solution.
But
I am one of those people who has always asked awkward questions because
the truth is so important to me.
So I called
the lecturer and showed him my sums. I was hoping he could explain it
to me.
This example
says it all so I am going to go through it below, for your interest
(and future wellbeing!)
I
am going to use a hypothetical scenario just to illustrate a
point,
Say you are in
this position -
| Current age |
40
|
|
Retirement
age
|
60 |
|
Years
to retirement
|
20 |
|
Planning
after retirement (life expectancy after retirement)
|
20 |
| Current
gross monthly income |
$10,000
|
-
To begin this argument I will
also assume that you have no other assets at this stage.
-
Your goal is to retire with
100% of your current income of $10,000 in 20 years’ time. You
also want to make provision for living 20 years after retirement.
-
In other words you will have
240 pay cheques of $10,000 up to retirement and thereafter you will
withdraw 240 pension cheques of $10,000 each.
-
The first question then will
be, if you are 60 years of age today and you want to retire with
$10,000 per
month for the next 20 years how much capital must you have right now in
order to withdraw $10,000 per month for the next 20 years (assuming at
this stage that there is no inflation or growth on your capital).
-
The answer is $2,400,000 (20
years X 12 months X $10,000)
-
The next question then is in
order to create the $2,400,000 in 20 years’ time
how much do you need to save per month (if there is no inflation and no
interest on your savings)?
-
The answer is: you must save
$10,000 per month for 20 years to make up the $2,400,000.
Is it possible?
No,
because you must save 100% of your income.
Do you see the
problem?
Now consider
inflation and growth -
- Now the fun
starts because in real life there is inflation. Let’s assume
the inflation rate will be 3%
- Luckily you can also expect a
growth rate (compounded interest) of 5% per year on your investments (again I work on the average over a ten year
period otherwise it is to easy to manipulate the figure)
- Now if you are 60 years of
age, how much capital will you need in today’s value to cater
for a 3% inflation increase every year for the next 20 years, while at
the same time your money grows at 5%?
- You will need
$1,976,740.
- But in this example you are
not 60 years of age, you are 40 and the inflation increase will be 3%
on your current income of $10,000 for the next 20 years.
- So how much income will you
need in 20 years’ time to give you the equivalent of $10,000
in today’s value?
- (To illustrate, in one
year’s time I will need an income of $5,000 + 3% = $5,150,
which is the equivalent of $5,000 in today’s value.)
- The answer is
$18,061 per month. The only disadvantage is that inflation
doesn’t retire when you do - it will continue at a
rate of 3% per year thereafter.
- So how much capital must I
have if I want to support an income of $18,061 per month indexed to
inflation over the next 20 years if I can get 5% growth on my
investment?
- The
answer is $3,570,213.
- Luckily you still have another
20 years to save and you know you will get 5% interest on the money
you are saving. So how much must you save per month?
- The
answer is $8,686 per month.
Only one
problem. You are only earning $10,000 so how is it possible to save and
invest $8,686?
Is
it possible?
If
not, WHY ARE YOU DOING IT?
Do
you have any of the following products?
- 401(K)
Plan
- Pension
fund
- Provident
fund
- Preservation
fund
- Retirement
annuity
- Endowment
policy
- Mutual
Fund investments
- Or
even shares that someone else manages on your behalf?
If
you do then you are following the traditional solution to the
retirement planning scenario, as per the example above and your changes
will be less than 1% to retire rich at the age of 65 .
But the story
gets more interesting.
When I showed
the experts these calculations do you know what they told me?
Their standard
reaction was - “Work harder so that
you can invest more.”
But I asked
myself this question when I heard this ...
- They say I must work harder
- So, according to them, the
harder I work the richer I will become
- They say I must have money to
make money
- And as we all know, it is
difficult to make money.
But I asked
myself this question when I heard this ...
Could
it be that this retirement formula is
fatally flawed and the advice of many of these
well-intended people is actually dangerous?
So it is not the
“safe, secure, trusted” approach at all -
it’s a recipe for disaster?
- Over the past 25 years or more I
have searched for and found alternatives that work and that have made
me ... and many of my students ... wealthy.
- We no longer have to work, and
so we have the freedom to do the things we are passionate about.
- In my case, apart from spending
a lot of time with my family and traveling the world; flying my
helicopter and growing rare Cycads; I am passionate about helping
people free themselves from the trap of not having enough money.
- I see what money
worries do to people, families, and the world, and I know it
doesn’t have to be this way.
It is my passion to help willing
people find answers that will make them wealthy. Having freed myself
from the trap of conventional financial planning I love seeing other
people do the same.
What I am saying is
the following:
- It is possible to retire
quickly. (By applying the Formula For Riches anyone can retire in less
than eight years).
- It is possible to retire rich (I
am in the top 1% money earners in the world)
- It is possible to retire young
(I retired at 37)
But I
know one thing for a fact:
unless you take action and go out and choose a better path to financial
security, the financial industry’s own statistics suggest
that chances are you will not retire in comfort
That statistic saddens me.
What hope does
the Retire Quickly System™ offer?
The Retire Quickly
System™ is based on the Formula For
Riches™ and if you keep to this unique formula you can retire
quickly.
By applying my
unique Formula for Riches™ and Retire Quickly
System™ anyone can retire in a matter of years - not decades.
Below you will
find the Formula for Riches. You will learn more about
it in my book "the Formula For Riches - The Difference Between Rich And
Poor", but for now let me tell you that
one of the key factors is Re
which stands for Responsibility. In other words, wealth is
not possible if you do not take responsibility for your financial
future.
So, having seen
the examples of traditional retirement planning, where does that leave
you?
As I see it, you have two options
- Do nothing. I really
do understand why so many people choose this route because until you
understand the Formula for Riches™ it looks like
there is no solution. Take heart - there is another way - and you do
not need a background in finances, the investment genius of a Warren
Buffet or the business brain of a Bill Gates. You just need common
sense, a willingness to learn and a readiness to apply what you learn.
My feeling is that you are already turning away from the fate of the
masses because you have taken the time and trouble (an important part
of the Formula for Riches™ as you’ll learn) to
explore this far.
- Some people like to find out more
on their own and I applaud this. You will learn that one
of my key rules is “First
invest in yourself” and you cannot go wrong. And
yet, of all the people who have become wealthy through finding out what
I learned, how many are honestly prepared to share their secrets with
you? To assist you, I suggest you buy my e-book “Formula For
Riches - The Difference Between Rich And Poor" .
Before you continue with points 2 - First
read this important note.
Many
people out there promise overnight riches. I am not one of them. It is
not possible to make money overnight and I can prove it. I offer
responsible, measurable, proven methods of success for people who are
serious about their future and prepared to take responsibility for
their own lives.
If this does not apply to you ... if you are not willing to take full
responsibility and to spend the time needed to learn and apply the
Retire Quickly System™ and the Formula for Riches™
then perhaps you would be better off following the traditional approach
to retirement planning because while you may doubt whether it will make
you rich, it is certainly a lot better than doing the wrong thing, or
nothing.
However, if you have a genuine desire to create a better life for
yourself and your family and are prepared to think outside the
traditional approach to financial and retirement planning - then the
book The Formula For Riches - The Difference Between Rich And
Poor will exceed your expectations. |
Let me ask you one final
question.....
How
much would an extra 5, 10 or even 20 years of comfortable retirement be
worth to you?
To me it is PRICELESS
You
are literally 24 hours away from changing your life...
Inside "The Formula For Riches - The
Difference Between Rich And Poor" e-book you are about to
Discover how the Formula For Riches™ will skyrocket your
profits.
You’ll gain unique money investment secrets that are proven
... and trusted ... and worth far more than I’m asking!
This e-book is one of a kind and really adds value, giving brilliant
results!
I
am condensing everything I learned over the past two and a half decades
so that you can get it all for a fraction of the true value (which is
literally hundreds of thousands of dollars!) and without having to find
the truth for yourself!
Here's how this information
has dramatically changed the life of many other wonderful people like
you...
| I started
to apply the formula for riches and I immediately saw what my growth
was on my investments. I could also apply the techniques that I learned
in the Formula For Riches and increased the IRR on my investment within
a week to 140% - Not to shabby for a beginner who knew nothing about
investments two weeks ago |
| Marius Adams |
| "you
literally opened my eyes to what was I was missing ...” |
| -Barend Gouws |
It is
amazing how much confidence this program has given me.
I have adopted the Formula For Riches into my life with massive success
not only in my business life but also personal life. |
| Stephan du Toit |
| "On that
very day I made a decision to take the opportunity that Hannes is
capable of offering, to learn as much as I can from him.” |
| Tseliso Mokeke |
We bought
our first property in July and stand now with 8 properties June 2007 by
applying Dr Dreyer’s Formula For Riches. We are in the
process of buying a property of 2189 square meters with a house on it.
Because we are applying the tools and techniques we have learned from
the FFR the transaction will not cost us a cent out of our pocket and
we will be cash flow positive from the first day.
The Formula For Riches was indeed an eye opener |
| Johan Swiegers |
| "In 2004
we bought 14 properties by applying the “Formula For
Riches”. I am 31 years of age and have 30 tenants, 19
properties, some bought for free and others with small deposits most of
them with a “twist” as Hannes has taught us in his
course “The Formula For Riches”. We have built a
very good passive income stream with what we have learned from Hannes
... Thank you for a life changing opportunity.” |
| Charles Fuller |
| " I have
learned more in this month about applying the Formula For Riches than I
have learned in 7 years of formal graduate and post graduate education,
and that includes an MBA degree. I am learning daily, but what makes
the difference is I am doing it in a balanced way. That makes me feel
good!” |
| Mitch Brandt |
|
*WARNING*
There
are a tons of phony and misleading sites out there, make sure any
information you are considering buying includes the following:
 A
proven step by step system to teach you how to invest your money
without taking any risk.
An
easy to understand method that helps you to identify and show you how
to calculate the true risk on any investment – before you
invest.
A
way to calculate the Intrinsic value (true value) on any investment and
a sure way to eliminate all emotions.
Do
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worst . Teach you just how to invest in their product.
A
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teaching do not work.
All of this is covered in
depth
inside
"The Formula For
Riches - The Difference Between Rich And Poor "
|
You
could do your doctorate degree. It will take you about 9 years of study
if you are lucky at the cost of at least $30 000 and even then you
would learn just a fraction of what is included in the e-book The
Formula For Riches™!
I did my doctoral thesis on “Applying the Amazing Formula For
Wealth Creation to develop entrepreneurs and investors”
-or-
You
could hire myself or one of my trained consultants at $3,200/hr over 10
hours to scratch the surface of what is detailed in The Formula For
Riches™.
-or-
For a limited time
you can download "The
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|
*NOTE*
The next 84 people to
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|
|
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The
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|
|
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|
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There is absolutely no risk,
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|
To
all your success,
Sincerely,
Dr Hannes Dreyer,
Wealth Creator Mentor
www.learn-to-invest-money.com
and author:
The Formula For
Riches - The Difference Between Rich And Poor
+27 12 542 4560 |
