At hardhatinvestments.com, our goal is to provide some easy-to-follow investment guidelines for everyday working folks who would like to handle their own 401k's, IRA's or personal investment accounts. Through our weekly newsletter and our simple on-site educational material, we will help you to:
1. get an understanding of overall market direction (the first step in improving your investment returns)
2. use a chart template to aid in finding the best mutual funds in your plan's list of choices3. learn a simple formula to figure what percentage of your total portfolio should be in these funds (or stocks) and what percentage should be in guaranteed interest or bond funds, your "safe"
investments
While we are mainly focused on 401k accounts, the guidelines given here can be used with any investment -
your IRA's, health and educational plans, simple trusts, personal investment accounts - any investment that
trades stocks, bonds, mutual funds or ETF's. These guidelines are very broad and general, but still powerful
enough to help you build your portfolio consistently year after year. And, we promise, easy to learn and use
on your own.
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Our approach to investing is with one of the oldest, simplest methods around: trend following. This is nothing
more than observing, then following, the major moves (up or down) in the markets. To track these moves, we use very basic charts. No reports to go through, no financial statements to decipher, no analyst opinions to read through - we just let our charts "tell" us when to be in (during up-trends) and when to be out (during down-trends) of mutual funds and stocks. Practicing this one rule alone will improve your investing results dramatically and we'll show you how.
WHY USE CHARTS? Charts don't lie! As we have seen lately: 1. companies can and do "cook the books" to make their financial situation look better than it really is 2. analysts are often in the back pockets of the very com-panies they issue reports and recommendations on 3. ratings agencies, who actually grade the securities we invest in, have failed the average investor repeatedly 4. the CEO's themselves come on TV, look right into the camera and lie to us about their companies' financial health But the charts don't lie. The prices shown on the charts are real and can't be cooked or lied about. Price is the real "bottom line" regardless of what the gurus try to tell us. And price movement is how we define trends.
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After learning and practicing the basic chart reading skills we teach, it will only take a few minutes a week to go over your portfolio and make any adjustments needed. Major trends change slowly, but once established, can last for months or even years at a time, so you'll rarely be making any adjustments. And you'll know when it's time to make them!
Our weekly newsletter will have up-dated market charts and chart reading tips to help you as you learn. If you sneak a peek at our "past newsletters" tab, you'll find some examples of the charts we watch and how we use them.
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We write the weekly newsletter to be used hand-in-hand with the information presented in our Learning Center. The educational material provided there is designed to give you a basic understanding of the markets and to let you dig a little deeper into this seemingly hard to grasp world of investing. And it's all written BY regular people, FOR regular people.
In addition to the investment information, our site will keep you up to date with the latest rip-offs and scams
that, lately, seem to be more and more aimed at the working class. We also provide weekly tips on how to make your moolah go farther.
Sounds like a lot of information, huh? Well, it is, but we promise to make it all as "painless" as possible with an easy to read style and format. But let's be honest: this is not exciting stuff. The thought of taking care of your own investments likely either bores you to death or scares you to death. But, like a trip to the dentist, it's something you really need to do. We'll be here to help you along the way because we believe with a little guidance, you can do this yourself. You should do this yourself.
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Our subscription service is $33 per year. Yeah, we know it's more than the price of 2 cases of beer, but you'll more than get your money's worth. A newsletter each week, tip-off and rip-off alerts, self-paced educational and training material, feedback e-mails: everything you need to slowly but surely get your
money and your investments under your control. The way it should be!
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CONTACT US: info@hardhatinvestments.com
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a guide for working folks
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