Conventional wisdom says you should ‘buy and hold’ for months or years.
But there’s one fatal flaw. And it could have serious consequences, especially if you’re 45 or over.
Here’s the risk you face, and how to overcome it – using a little-known investment approach that doesn’t require 15 or 20 years to come out on top.
“It's easy to understand and lets you know the sectors which
are doing well at present. I'm up 25% in 18 months… It's worth every penny.” David Moody
Sometimes it’s your worst mistakes that put you on the right path.
And I’ll never forget that one particular day.
It was September 2008 and I was sitting in the pub with some colleagues after work.
I wasn’t happy. In fact I was downright gloomy. The night before, the news of Lehman Brothers’ bankruptcy had been announced, and the market had dropped like a stone.
“Well, that’s my investments heading down the tubes”, I said.
None of my colleagues could offer any consolation. They were equally worried.
The market was already down 22% in a year. And just a few weeks later, following the Lehman Brothers collapse, my portfolio ended up being worth 30% less than it had been a year before.
In other words, my investments had lost a third of their value in just over 12 months.
This was a huge shock to me. It was also a wake-up call. It completely changed my perspective on investing.
Having lost a third of my wealth in a year, the approach I was using – an approach recommended by most experts, and followed by many investors – now seemed nuts.
Did I really have to lose such a huge amount of money now, to make money later? If this was about “investing over the long term”, how long was it actually going to take to end up on top? Wasn’t there something else I could do?
I’m sure you ask yourself the same questions…
Could you cope with your investments losing a third or a half of their value over the next few years?
And would you like to feel more in control, able to respond effectively when big, unexpected movements happen in the markets?
Well, here’s something I think you’ll be interested in.
As I later discovered, after that horrible day in 2008, there is a practical, easy-to-use method of investing that allows you to:
- Avoid the big drops in the market… and stop worrying about the next big crash.
- Jump on board rising trends, wherever they are happening.
- Comfortably beat the returns from the FTSE 100.
- Take on only as much risk as you feel happy with.
- And all with a straightforward system that any average investor can use.
These are bold claims, I know.
But read on and I’ll explain my reasons for being so confident… give you the proof that it works… and tell you the principles behind the Saltydog system of trend investing.
Then you can come to your own conclusions.
But let’s start with you, and the situation that you probably find yourself in.
The big danger: a 50% drop in the market
Just like I was back in September 2008, most investors are absolutely helpless in the face of the ups and downs of the market.
They trust that they’ll come out on top over the long term. But essentially, every time there’s a downturn they’re resigned to losing money.
This is the ‘passive’ approach to investing, where you don’t try to react to market movements at all. Instead you “buy and hold” – buying stocks or funds and holding on to them for months or years, irrespective of what the market does.
Why do most investors do this?
For one simple reason: they don’t believe it’s possible to get in and out of the market at the right time. That’s “timing the market”, and only super-sophisticated investors or whizz-kid traders are supposed to attempt that.
After all, how can you possibly predict what the market is going to do next?
Well, the fact is you don’t need to make predictions to successfully move in and out of market trends. And I’ll explain why in a minute.
But first let’s consider what it means if you stay in the market, and don’t manage to avoid the big crashes.
The worrying truth is that huge market crashes are not an unusual occurrence. Investing in stocks puts your wealth on a roller-coaster ride.
In the last 15 years there have been two market crashes of around 50%: the dotcom bust of 2000-03, and the financial crisis of 2007-09.
Both times your stock market investments would have been cut in half.
Not only that, but even if you’d patiently endured these two market crashes and stuck it out for nearly two decades, you could well have achieved capital growth of precisely... zero.
Just look at what happened.
After hitting a peak of nearly 7,000 in 1999, the FTSE 100 never went significantly higher for the next 17 years.
It’s only this year, 2017, that it’s started to really move above that level.
Is that what you want with your investments?
If you were hoping for capital gains, that’s seventeen years of going nowhere. Nearly two decades. How long are you prepared to be a ‘passive’ investor, hanging on in the market to see any positive return on your money? Thirty years? Forty?
This is the fatal flaw of ‘buy and hold’ investing.
Get in at the wrong time and you could buy and hold for decades, and see very little for it.
And the problem is magnified for anyone over forty-five.
Why? Because it’s clear from the chart that investing for any period under twenty years is pretty much a lottery.
As one hedge fund manager succinctly put it:
“To make [a few percent] a year, you’re risking half your money. That to me is an awful trade. I don’t make it.”
The next big crash could occur at any time, and the risk of horrible losses is significant. If you’re forty-five or over and the pattern of the last 15 years repeats itself, you probably won’t have enough time ahead of you to recover.
Do you want to see a 50% drop in your invested wealth a few years before you’re about to retire, when you need to start using the money?
I’m sure you don’t.
PROOF: you can avoid the drops in the market
Now you’re probably thinking… Of course I don’t want to suffer any losses if I don’t have to, but – apart from holding all my money in cash – is there really a way to do this?
The answer is an emphatic Yes.
Take a look at this chart. It shows the performance of our basic portfolio since we launched it in November 2010.
We call it our ‘Tugboat’ portfolio, as the whole emphasis is on safety and going slow and steady.
Our aim here is consistent capital growth without losing money.
As you can see, the chart essentially goes upwards or sideways. The downward dips are minimal.
In other words, we have very successfully grown our capital whilst suffering only very small losses along the way - avoiding the worst of the market downturns.
For comparison, take a look at the FTSE 100 over the same period:
It’s obvious: the FTSE 100 chart is very choppy, with some big drops along the way.
There was a 16% drop in the middle of 2011. A 12% drop in 2012. A 9% drop in 2013. An 8% drop in 2014. And a whopping 19% drop from mid-2015 to early 2016.
Throughout this entire period, our Tugboat portfolio has never dropped by more than 4%.
In fact in some instances where the FTSE 100 dropped hard – e.g. 2015 - the Saltydog Tugboat portfolio actually continued on an upward trend.
Overall, one thing is perfectly clear: our Tugboat portfolio avoids the very worst of the market dips, whilst still growing steadily – up 59% over the past six years.
So if you hate the idea of losing money, don’t have enough time to recover from the next big crash, or simply want to minimise the effect of market volatility, this approach could definitely work for you.
And what if you’re looking for bigger, market-beating gains?
Well, let me show you our more adventurous portfolio.
Beat the FTSE 100:
how to ride uptrends for bigger gains
We call our more adventurous portfolio the ‘Ocean Liner’.
Here our aim is to take advantage of the faster-moving trends in the market.
In this portfolio we have a core of steady investments, but we also keep close track of sectors which can move much more rapidly - such as small companies, technology stocks, or emerging markets.
When we see one of these sectors making a positive upward move, we get on board.
And the outcome has been very profitable.
We launched the Ocean Liner portfolio with around £40,000 of our own money at the end of 2013, and the chart looks like this:
As you can see, again we’ve avoided the worst of the drops in the FTSE – especially the downturn from mid-2015 to 2016.
But just as importantly, we’ve also taken advantage of the uptrends in faster-moving sectors – resulting in an impressive 3½-year performance of 32%.
Compare that with the FTSE 100.
Over the same period the total return of the FTSE 100 - i.e. capital gains plus dividend income - is 28%.
In other words, over the last three and a half years our Ocean Liner portfolio has beaten the FTSE 100 total return by 4%.
Whichever way you look at it, we think our Saltydog performance is impressive. It’s not a fluke. It’s based on consistently applying our strategy. And, as I’ll now explain, you can easily follow our approach and match our performance.
So, how does the Saltydog system work? What’s it all about?
Trend investing: the opposite of everything
you’ve been told
As I’ve already mentioned, Saltydog is a system of trend investing. (Also known as trend following, or momentum investing).
In essence, it means that you identify upward trends in the market as they start to emerge, and put your money into them. And when a trend changes direction and starts to head downwards, you take your money out and put it in a new trend elsewhere.
With Saltydog we do this by focussing on different sectors of the market.
At any one time, some sectors are heading upwards, whilst others are flat or heading downwards.
For example, during 2015 property steadily moved up, whilst stocks headed down. At other times, small company shares have performed incredibly well, whilst large companies have been pretty flat. Or emerging markets have gone on a tear, leaving developed markets well behind. Shares, bonds, property, emerging markets, technology, high-yielding companies and so on… the situation is always changing.
And this is extremely easy to do by using the relevant funds. Whichever sector you’re interested in (and we want the ones clearly heading up), there is a huge variety of possible funds to invest in.
You can think of trend investing like putting your money on a horse race – except with one enormous advantage… as the race progresses, you are always able to switch your money to the leading horse, so that you’re in the best possible position throughout.
What Saltydog users have said about trend investing:
“I have long given up trying to understand the stock markets from a fundamentals point of view. There’s no obvious correlation and I see it more of a herd mentality. So therefore I like the Salty system… My annualised return since I started is 8.5% .” R.L.
“Value investing, which I had been trying to apply, is not for one in his late 70s. You have to stomach long periods when key holdings are deeply under water. Back the horse that IS running fast, not one that just might run fast… In 2015 I made 8.8%.” D.E.
“I like being able to quickly react to changes in the market. My other investments which are supposed to be actively managed by an IFA hardly seem to change from one year to the next and I keep being told “it’s for the long term”, which seems lazy to me.” O.K.
In other words, your money is always making the best return that the current conditions allow – riding upward movements in the market, and avoiding the downturns, as you’ve seen in the charts of the Saltydog portfolios over the past six years.
Obviously enough, this is an active system of investing.
It means you need to be monitoring the market regularly – though no more than once a week – using the special data that we provide. And you need to be moving your money in and out of different sectors, to take advantage of the uptrends and avoid the downtrends. (In case you’re wondering, it’s not at all difficult if you follow our simple rules. I’ll explain more about how it works shortly).
Now, as you may be aware, what I’ve just described is not the mainstream view of how you should be investing.
Far from it.
In fact the Saltydog system goes completely against what most investment advisors, professionals, fund managers, gurus and journalists tell you to do.
These experts all say that private investors should not attempt to get in and out of the market.
In their eyes, for an average investor to try and take advantage of market trends is foolhardy, costly, dangerous or impossible. They think that anyone who tries to do it is probably deluded and will waste a lot of time and lose money.
So you’re probably wondering…
… if all these investment professionals say that “timing the market” is impossible for a private investor like me, then how can the Saltydog method work so well?
How come our two Saltydog portfolios have such good performances? What are all these experts missing? Or is there something funny going on?
So let’s go through the main reasons that the experts give for why you shouldn’t try to take advantage of market trends… I’ll tell you what we think… you can hear from current Saltydog users … and then you can decide for yourself.
MAINSTREAM OBJECTION #1:
“Private investors can’t time the market”
The first objection to active investing is that private investors are demonstrably bad at it.
Most investors, left to their own devices, time the market completely wrong. They get frightened by market crashes and sell out on the way down. And then they wait until a bull market has really got going, and buy late on the way up. So they buy high and sell low – the exact opposite of how to make money.
In fact a study conducted in the US found that, over the last 30 years, the average investor in funds made an annual return of just under 4%. That’s while the US market (the S&P 500) made an annual return of 11%. In other words, private investors under-performed the market by 7% every year, for three decades!
the argument for it
Let me make it clear: there is a very solid case for long term passive investing – where you buy cheap index tracking funds, diversify, invest regular amounts month-by-month, and rebalance your portfolio every now and then. If you do this, then when the market falls, you benefit from buying shares at cheaper prices – helping your returns over the long term. This approach is also simple to operate, taking very little time.
Of course nothing comes without a price. And for all its simplicity, passive investing has two important requirements: emotional self-discipline, and a very long time-frame i.e. decades. It’s very uncomfortable holding on and continuing to invest when markets are plummeting and you’re watching your wealth dropping by thousands or tens of thousands of pounds. Plus, for many investors, retirement isn’t decades away – it may be only ten or so years ahead, or right now.
Also if you’ve finished accumulating your savings pot and aren’t contributing further regular amounts to your investments, a falling market is simply going to lose you money – rather than be an opportunity to buy cheaper shares.
Personally, I don’t like losing money, ever. And I’m not prepared to wait literally for decades to see if a passive investing strategy eventually produces the results I need. I want to actively manage my investments. And I know the Saltydog system works – which is why I use it.
This is a pretty shocking statistic, and would no doubt be replicated here in the UK. The primary emotions of fear and greed are true of investors anywhere, leading the vast majority of them to make extremely unprofitable decisions.
So one obvious moral to draw from this is: Don’t try to be clever about timing the market – you’re just not up to it. Don’t even bother.
And that’s exactly what most investment advisors say.
There’s even a saying that encapsulates this view: “It’s not about timing the market, it’s about time in the market”. In other words, you’re far better off buying and holding.
But here at Saltydog, we have an entirely different view.
Yes, most investors aren’t good at timing the market. We don’t disagree with that.
But most investors don’t have a clear method or strategy that they apply. They’re simply at the mercy of the latest market news – getting frightened when the market drops, and getting over-optimistic when it heads up. In other words, they’re making very important decisions based only on vague ideas, feelings or guesses – which can easily change from one day to the next.
The key point here is that the Saltydog system is not based upon a vague, subjective view of what the market, a fund or a stock might be about to do. It’s a system. It’s based on hard numbers. And there are clear rules to follow.
So with Saltydog you’re not acting on your own hopes, fears or hunches of where the market might be heading. On the contrary, you look at some very specific numbers and information which we update for you every week – numbers that clearly show you trends that are already happening in the market – and you make your decisions from that.
It’s not going by your own feelings. And it doesn’t rely on you making predictions or guessing where the market might be heading next. Instead it’s looking at the weekly Saltydog data and following a few simple rules.
As long as you’re capable of comparing a few numbers (“This is the highest… These are the most consistent”) and following some basic guidelines, it’s perfectly possible for you to take advantage of market trends using the Saltydog system.
And you can do it in exactly the same way that we have done to achieve our impressive performance over the past six years.
Believe me, I’m not making this up, and you don’t have to take my word for it…
Here’s what people using the Saltydog system – private investors just like you – have said:
“It’s easy to understand and lets you know the sectors which are doing well at present. I’m up 25% in 18 months… It’s worth every penny.” David Moody
“Beautifully simple to follow. About 9% increase over the last 12 months.” J.D.
“It’s easy to follow and I’m gaining in confidence. My initial investment has grown 30% in under 3 years. Delighted.” Christine Corner
“33% in 3yrs since subscribing.” Andrew Ashworth
“Since October 2010 I have made an annualised 9.69%… I base decisions on the data used in Saltydog, which is very good.” M.I.
“I like the fact that the work is done for me re. trend analysis of performance. Returns in three full years: 16% (2013), 7.5% (2014) and 10.5% (2015).” P.W.
“About 25% in 3 years. It clearly beats other ‘systems’.” Alan Ashton
“9% over the past 12 months… Very respectable!” Stuart Hatton
“I like the concise structure of how funds performance is measured and displayed. Performance 2015: 16%.” R.F.
“I have averaged 12% using a blend of my own choices and Saltydog. I find it a thoughtful, professional and productive system that does ‘everything it says on the tin’.” Mike Jamieson
You see why I’m so confident that the Saltydog system works for ordinary investors?
I strongly believe that any reasonably intelligent and motivated investor can achieve this kind of performance using Saltydog… and that includes you.
So now let’s hear the next objection from the mainstream experts…
MAINSTREAM OBJECTION #2:
“Active investing is very costly and your gains will be eaten up by trading fees”
The next objection to active investing is that it’s extremely costly.
Well, the answer to this is simple: No, it isn’t.
OK, it’s a bit more expensive that doing little or nothing with your portfolio. But the charges probably aren’t what you imagine at all.
Let’s say you have a portfolio of £100,000. With the biggest broker in the country, Hargreaves Lansdown, it will cost you precisely £450 a year to buy and sell as many funds as you like, as often as you like.
With Hargreaves you pay a 0.45% management charge per year (that’s your £450) and then there is no charge at all for buying and selling funds. You can buy and sell as often as you please, without incurring a single additional penny in costs.
With another broker, Charles Stanley, it’s even cheaper. With a £100,000 portfolio it would cost you only £250. That’s a management charge of 0.25% – and again, no charge at all for buying or selling funds.
Let’s put this into context.
Yes, with Hargreaves Lansdown you are paying nearly half a percent of your portfolio value every year in fees. (Though with portfolios over £250,000 the percentage fee is lower than 0.45%).
But what about your potential returns, using the Saltydog system?
The performance figures I showed you earlier – for our conservative ‘Tugboat’ and more adventurous ‘Ocean Liner’ portfolios – included all costs.
The Tugboat portfolio is up 59% over the past six years. And the Ocean Liner is up 32% in three years. Taking into account ALL costs.
In other words, even with the necessary broking charges you can still take full advantage of the Saltydog trend investing system for very healthy returns.
Yes, you’ve paid some costs. But have your gains been eaten up by your trading fees? Not anywhere close!
The costs are really pretty insignificant compared with how the Saltydog system could help with your returns.
And so we come to the last thing mainstream investment experts say about trend investing, and why you shouldn’t do it…
MAINSTREAM OBJECTION #3:
“Trend investing is too difficult & time-consuming for ordinary investors”
The final objection is that trend investing is just too difficult and time-consuming for the average investor to pursue successfully.
My short answer to this is… codswallop!
But I’ll give you the longer answer too.
Since the Saltydog system is all about actively managing your investments, of course it requires some work and takes up some time compared with passive investing, where you do practically nothing.
So if you don’t want to give up any time at all, or you prefer to have one meeting a year with your financial advisor, for example, then the Saltydog system is definitely not for you.
But is it too difficult or time-consuming? No. At least, not for any investor who wants to properly take control of their their money and seriously out-perform the FTSE – which, as I’ve said, is a perfectly realistic possibility.
I’ll give you the practical details in a minute. But rest assured, you don’t need any technical skills or complicated financial knowledge. You just need to be able to compare some numbers and look at a few simple charts. It’s really not difficult.
Again, you don’t have to believe me.
Here are some other comments we’ve received from people who have been using the Saltydog system for the past few years:
“Simple, easy to use system. Very pleased.” S.L.
“Very simple to follow, has given me an 8% return annually. Allows me to draw a better income from my pension than otherwise.” M.K.
“Easy to follow, consistently performs. Made about 7-8% in the last year.” N.M.
“I feel safe and in full control using your advice. No unnecessary risk taken. Easy to understand and simple to follow.” Doug Jordan
“The system is easy to use and update. I have used it successfully over the past two years making 15% and 7%.” S.H.
As I say, these people are not experts or financial professionals – they are private investors just like you.
They find the Saltydog system simple and easy to follow. They are significantly beating the market. And they are making consistent, positive returns, even in years when the FTSE 100 has fallen or is flat.
And there’s absolutely no reason why you couldn’t have an equally positive experience, with an equally profitable effect on your investments.
In a moment I’ll explain how you can do this. But first, a brief introduction.
Who’s behind Saltydog Investor?
My name is Richard Webb, and I’m the Managing Director of Saltydog Investor.
My background is nothing to do with the City or the finance industry. I’m a Mechanical Engineer by trade and I worked for twenty years in furniture manufacturing.
It was during my thirties that I started seriously adding to my savings and investments.
Then came the financial crisis of 2008, and – as I said earlier – my wealth lost a third of its value in a year.
After this serious financial setback I had a conversation about it with my boss, Douglas Chadwick. That conversation turned out to be extremely significant. What Douglas told me completely changed the way I thought about investing.
It turned out that Douglas had had a very poor experience at the hands of his financial advisors many years earlier. After selling a successful business in 1985, he had invested £150,000 via a financial services company. And being busy building up another business, he then paid no attention to his investments, trusting that they were in expert hands.
Fifteen years later, in 2000, he decided to enquire about them… and discovered that his investments had gone absolutely nowhere. They had effectively been forgotten.
First he was extremely angry at the incompetence of his so-called investment ‘managers’. And then he decided to do something about it.
Douglas Chadwick, founder of Saltydog Investor.
(Previously deckhand, navigator, entrepreneur and theoretical physicist).
Let me just tell you that at various stages in his life, Douglas has been a deckhand on a deep-sea fishing trawler, a navigator on a merchant navy ship (hence the name “saltydog”), has obtained a degree in Theoretical Physics, and has built up two successful manufacturing businesses worth millions.
So when it came to taking control of his own money, he did it in his own unique way – being practical, self-determined, and adept at mathematical analysis.
The result was the first version of the Saltydog trend investing system, which Douglas used extremely successfully from the year 2000 onwards, making substantial gains and never losing money in a year – not even in 2008 when the FTSE 100 fell nearly 30%.
Whilst this system was originally for his own personal use, Douglas always wanted to help other investors. He felt they were being badly let down by the financial services industry.
And so when he and I had that conversation in 2008 about my investment disaster, Douglas decided it was time to make his system available to others.
I was soon convinced by Douglas’s method and excited about the possibilities, and we agreed to work together to bring the Saltydog trend investing method to the public.
With my engineering background I created the algorithms to automate the system. We did many months of back-testing and research. We expanded our data sources, gaining access to the most comprehensive data available, covering tens of thousands of funds. Together with specialist financial experts we worked hard on the presentation of the data, so that it was simple to review and understand. And we refined the Saltydog approach even further, making it accessible and easy for anyone to use. We finally launched two years later in 2010.
So that’s how Saltydog Investor came about – a system borne out of frustration with mainstream investment approaches, and which has been proven to work over the last fifteen years.
Now let’s get down to some practical details, and how you can use the Saltydog system yourself… to avoid the big downturns and consistently out-perform the FTSE.
I’ll also tell you how you can receive our FREE in-depth handbook, “How to beat the market using trend investing”, which reveals everything you need to use the Saltydog system effectively and profitably for yourself…
Trend investing: why we use funds
As I mentioned earlier, the Saltydog system is based upon investing in funds, not purchasing individual company shares.
The reason for this is very simple: when Douglas started investing it was using funds, and he developed the system from there.
FREE SALTYDOG GUIDE:
“How to beat the market using trend investing”
Our free, in-depth guide to trend investing covers:
- ✓How to spot profitable trends
- ✓When to buy and sell for consistent gains
- ✓How to choose the best sectors & funds
- ✓Avoiding market downturns and crashes, and
- ✓All the secrets behind Saltydog’s FTSE-beating performance, and how you can match it yourself.
- To claim your free copy, see the details below.
But there are also three definite advantages of funds:
- *They provide exposure to all markets and all sectors across the globe – allowing us to take advantage of uptrends wherever they occur.
- *They spread your risk across a range of different companies within one sector, meaning that your portfolio isn’t dramatically affected if one particular company gets into trouble.
- *You get smart people with research teams doing stock picking for you, meaning that you don’t have to be an expert in individual companies.
Now some investors only want to pick individual company shares. That’s fine, but it’s not what the Saltydog system is about.
Other investors object to the large salaries that fund managers get paid, or are concerned about the costs of buying and selling funds.
To be honest, neither of those objections really concern us.
Of course we want to keep our costs down. As I said earlier, you can buy and sell as many funds as you like by paying your broker a reasonable annual management charge.
But ultimately we’re looking at the overall return our investments are making. As you’ve seen from the Saltydog portfolio and from the gains achieved by Saltydog users, we’re consistently performing extremely well.
And that’s the main thing we care about.
So how can you achieve this too?
How you can use the Saltydog system for
There are two ways you can apply the Saltydog system yourself.
The easiest way is simply to copy one of our two demonstration portfolios, which we update every week. You can choose between our very low risk portfolio (the “Tugboat”), and another more adventurous one (the “Ocean Liner”).
If you do that, it will probably take you 15 minutes each week – enough time to read the weekly email update from me, and then to make the changes to your funds by phoning your broker or going online. (And there are many weeks where we make no changes at all). With this option you don’t have to do any analysis if you don’t want to – you simply copy the changes I make to the demonstration portfolios.
The other way of using the system – which is what we designed it for – is to interpret the Saltydog data yourself, using the rules and principles that are fully explained in our members’ handbook. If you use the Saltydog system actively like this, it will probably take you thirty minutes to one hour per week. Obviously the more you use the system and become familiar with it, the quicker it takes.
And, as I’ve already explained – and as Saltydog users have said themselves – it’s really not hard.
The Saltydog rules and guidelines are straightforward to understand – and fully explained in the in-depth introductory guide you receive when you sign up.
The weekly Saltydog data:
clear, colourful and easy to read
And we present the weekly data in an extremely accessible way, using clear, simple colour-coded tables and charts, making it easy to come to conclusions about what you should do.
Plus, I give you my thoughts, advice and guidance every week via two email updates.
In addition, I also send you a monthly newsletter through the post, giving you further guidance and advice.
This is what the weekly schedule looks like:
- ❖Every Wednesday we release the latest update of the Saltydog data on our website. The tables and charts show all the best-performing sectors of the market, and the best-performing funds within those sectors.
- ❖On Wednesday morning – usually between 11.00 – 11.30am – I send you an email giving you my overview of the market situation and how things have changed over the past week. At that point, you can log on to the Saltydog website and review all the new data and charts yourself.
- ❖On Wednesday evening – between 6.00 – 7.30pm – I send you a further email which describes any changes (buys or sells) we are making to our demonstration portfolios, along with an in-depth explanation of the reasons why. If you wish, you can simply follow the changes that we make, and – if you have an online broker account – you can place your buy and sell orders right away, ready to be executed the following day.
On top of this, if you have any questions whatsoever about the system or how you should use it, I’m always here to help. Just send me an email, and I’ll do my utmost to reply as quickly as possible.
And if you decide to try out the Saltydog system you’ll also receive:
- ⇒The comprehensive Saltydog Members’ Guide, “How To Beat The Market Using Trend Investing” – explaining all the principles, rules and guidelines for spotting trends and using the Saltydog data to boost your investment returns.
- ⇒Our “Getting Started” guide. This gives you practical details about the best brokers to use for buying and selling funds, with the most cost-effective services – so that you can set yourself up to use the Saltydog system quickly and easily.
- ⇒The monthly Saltydog newsletter, sent through the post. In the monthly print newsletter we give you additional guidance, helping you to spot the best sector trends, and providing you with advice on different aspects of successful trend investing.
In other words, we provide everything you need to become an extremely successful trend investor… joining the other private investors who are already using Saltydog to achieve market-beating gains.
Try out the Saltydog trend investing
system today, for FREE
As I hope I’ve made clear, I strongly believe that you can use the Saltydog system to make a big difference to your investments…
- ✓See your money grow consistently, and most likely by at least 7% per year.
- ✓No more worrying about the next big crash, since you can avoid the big drops in the market.
- ✓Make money from rising trends, wherever and whenever they happen.
- ✓All with a simple, easy-to-follow approach which puts you in complete control.
In fact I’m so convinced that the Saltydog system will work for you that I’ve made it as easy as possible for you to try out, starting right away.
I’d like to invite you to try out the Saltydog system completely FREE for the next two months.
This means that you’ll receive:
- ❖All the unique Saltydog sector and fund data, updated weekly – enabling you to pick out the winning and losing trends in the market at any time, along with the very best funds to take advantage of them.
- ❖Two weekly emails from me, giving you my view of the market trends and explaining the changes I’m making to the two demonstration portfolios – making everything as simple as possible for you to copy.
- ❖The monthly print newsletter, packed with additional trend investing advice and guidance.
- ❖The comprehensive Saltydog members’ guide: “How To Beat The Market Using Trend Investing”, giving you all the basic principles and rules of successful trend investing, using our system.
- ❖Our Saltydog “Getting Started” guide, explaining practical details about brokers, platforms, fund supermarkets, types of funds, and the costs involved. And finally…
- ❖Access to me to answer any of your questions. Just email me with any questions, and I’ll get back to you as soon as I can.
I think this is a fantastic offer, and you really have nothing to lose.
After the two months are up, you might decide that Saltydog is great and you want to keep using it. And if you don’t, that’s perfectly fine and it will have cost you absolutely nothing.
So what happens if you do want to continue with the system after the two month free trial?
Given the high price of investment services on offer from mainstream financial companies, it would have been easy for us to charge an equally hefty rate. Although there is nothing like the Saltydog system available elsewhere, many stock market data services cost thousands of pounds a year… and aren’t nearly as easy to use as Saltydog.
But we really don’t want the price to exclude the average private investor from the benefits of Saltydog.
For that reason, we’ve kept the annual cost of membership to just £300.
And we try to make the payments as easy for you as possible. You don’t have to pay the membership fee upfront all in one go. Instead we only ask you to pay £25 per month… and you can cancel at any time you like.
In other words, you get the first two months of Saltydog completely FREE, and after that the most you’re ever committing is £25 at a time.
Considering that we’re offering you the chance to avoid the downturns, ride the uptrends, and even beat the market, I really can’t stress enough how good I think this offer is.
If you do take up the free trial, it’s very easy to cancel. Just send me an email at any time during your two-month trial period, to email@example.com, and I’ll cancel your trial immediately. We don’t take any money until your two-month trial is over. There’s no catch and no small print.
We’re extremely confident in the value of the Saltydog system, and we want you to be completely happy with it.
Should you choose not to continue with the Saltydog service after your trial period, you’ll be able to keep the Members’ Guide and Starter Guide, plus all the emails and newsletters we’ve sent you during the two months, with my compliments.
Remember… the Saltydog system has avoided every significant market downturn over the past six years, and gives you the chance to ride the big uptrends and beat the market.
Now’s your opportunity to have real peace of mind about your investments – not worrying every time the market starts to fall, but knowing that you can come out on top whatever the situation… growing your wealth steadily and consistently.
I look forward to welcoming you to the Saltydog system of trend investing.
Just click here to start your 2-month FREE TRIAL.
Managing Director, Saltydog Investor
P.S. Remember that private investors just like you are using the Saltydog system to produce some great returns and protect their wealth, and they love using it.
Here’s what some more very satisfied subscribers have said:
“Excellent service… Very impressed with downside protection… A perfect foil to ‘buy and hold’ of the mainstream press.” Simon Payne
“Trending to around 12% annualised, even with all the trauma of the past few months.” David Gauld
“I love the fact that it gives me the confidence to invest my own money with sensible guidance plus the information to enable me to make rational decisions.” Fran Sharp
“The advice makes sense. The whole idea makes sense… I made 8.5% in 2015 which is no mean feat and largely thanks to you pointing me towards funds that I had no idea existed.” R.W.
You could well achieve exactly the same results yourself.
Click on the free trial link below, and within two minutes you’ll have access to all our powerful trend data and can be learning how to use the Saltydog system for market-beating profits.
Just to say again: it’s completely FREE for you to try Saltydog for two full months, with no obligation for you to continue whatsoever. There’s really nothing to lose.
And using the Saltydog approach could add something very special to your investing…