Richard E. Band is the newsletter world's #1 authority on investing for low-risk growth. His flagship Total Return Portfolio has grown nearly sixfold since its inception in 1990, while taking far less risk than the popular stock market index funds. More »
[My biggest successes with Profitable Investing:] Helping me establish, maintain, and modify/adjust as needed my ratio goals of fixed and equity percentages of portfolio. Also to find and utilize stocks and funds that pay dividends; and to buy or sell based on Richard's philosophy. I have benefited from the philosophy of compounding earnings and diversification. I live off my dividends and reinvest or compound earnings. I never spend more than I make and do not touch overall principal balances of portfolio. As a target, my spending is never to be more than an amount equal to 4% of total portfolio balance. My results are under 3.5%. Consequently, I end up with anywhere from 1.5% to 7% of my portfolio growth to reinvest or compound each year. The advice has helped keep me on a very good path. Thanks Richard.
–GDW, Papillion, Nebraska