1. Richard E. Band's Profitable Investing is a monthly newsletter which, along with its related publications, telephone hotline, and other services (collectively, the "Newsletter"), is edited by Richard E. Band, published by InvestorPlace Media, LLC, and offered to the general public on a subscription basis.
2. Newsletter subscribers will receive the benefit of Richard E. Band's commentary, analysis, opinions, advice, and recommendations. The Newsletter is impersonal and does not provide individualized advice or recommendations for any specific subscriber or portfolio.
3. The Editor hereby discloses that the Editor, directly or indirectly, owned some of the securities that are the subject of the commentary, analysis, opinions, advice, or recommendations in, or which are otherwise mentioned in, the newsletter. A more specific list of ownership will be made available to paid subscribers.
4. Investing involves substantial risk. Neither the Editor, the publisher, nor any of their respective affiliates makes any guarantee or other promise as to any results that may be obtained from using the Newsletter. While past performance may be analyzed in the Newsletter, past performance should not be considered indicative of future performance. No subscriber should make any investment decision without first consulting his or her own personal financial advisor and conducting his or her own research and due diligence, including carefully reviewing the prospectus and other public filings of the issuer. To the maximum extent permitted by law, the Editor, the publisher and their respective affiliates disclaim any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations in the Newsletter prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses.
5. The Newsletter's commentary, analysis, opinions, advice and recommendations represent the personal and subjective views of the Editor, and are subject to change at any time without notice.
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7. The Newsletter is not a solicitation or offer to buy or sell any securities. Further, the Newsletter is in no way intended to be a solicitation for any private money management services offered by Richard E. Band.
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The publication by an Editor of a "target price" or "stop loss" for a particular security does not necessarily represent the price at which an Editor intends to sell or will sell any such securities that the Editor may directly or indirectly own.
Richard E. Band is the newsletter world's #1 authority on investing for low-risk growth. His flagship Total Return Portfolio has quintupled in value since its inception in 1990, while taking far less risk than the popular stock market index funds. More »
My greatest successes with Profitable Investing have been CVX, SLB, SO, RPM, HOG, HSY, Applebees, and Yankee Candle Co.; the key was staying diversified and never panicking. Recovery from 2000 and 2008 were relatively prompt.I retired in '91 at age 55 with a $500K IRA and $500K in savings. Lived off retirement checks of $30k and savings for 5 years, then commenced IRA withdrawal's starting at $40K a year, increasing to $80K now, and savings is still at $500k and IRA at $1.6 million. Presently operating with a $130k budget and IRA still increasing. Maintained 50%-60% stocks evenly divided between growth and value and other half in a preferred ladder and various bond funds. Used both your letter and Richard Young's Intelligence Report. Both did their job about equally effective with a slightly different approach, yet very similar.
–D.J.A., San Jose, CA