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Richard E. Band is the newsletter world's #1 authority on investing for low-risk growth. His flagship Total Return Portfolio has grown sixfold since its inception in 1990, while taking far less risk than the popular stock market index funds. More »
I've been a subscriber for several years. During that time several stock recommendations have done very well. While not as spectacular as some of the stock recommendations, the bond advice is almost always profitable and not risky. I've been retired for 13 years. My wife and I live on our pensions and Social Security. We have held our ground with our investments for some time. We take somewhere between 2% and 4% for vacations, new cars as needed, house repairs, e.g. a new roof. That also covers occasional gifts to our daughter.