Avoid Mainstream Advice When
Investing for Retirement

The first article I found was titled "Toughing out market ups and downs." It was written by The Mole, which is apparently Money Magazine's undercover financial planner (as the article said anyway).

I'm going to highlight a couple of the recommendations that I deem to be mainstream advice when it comes to investing for retirement.

The article opened with someone asking about retirement investment planning. They had seen a significant decline in their 401(k) value. They asked if they should be change their current 85 percent stock allocation or just stick with the current plan?

The Mole answered with the most common mainstream retirement investing slogan I've ever heard. The article said:

"Stick to the current plan. Seeing your portfolio drop is painful, and you may be feeling the urge to bail out of stock funds and run toward safety. Perfectly natural as that feeling may be, it's also likely to hurt you in the long run if you act on it."

The article then explains that their recommendation to stick to the plan and continue buying stocks does not mean they think stock prices are going up next month. When investing for retirement, they recommend to stick to the plan for these ridiculous reasons (more mainstream jargon):

First, since your portfolio is now down from last month, you have the opportunity to buy the same investments for less than you paid last month. And any opportunity to buy low is a good thing.

Second, the stock market works in the long run and you have plenty of time to ride out the market's ebbs and flows.

Finally, time in the market is far more important than timing the market. Moving in and out of the market is very likely to decrease your returns. It's natural to feel some pain when the market goes down. Their advice is to think of it as a "no pain, no gain" opportunity to buy more of your equity funds at a lower price.

That pretty much summed up this article. Now, here is what I want you to do:

FORGET EVERYTHING YOU JUST READ!!!

This kind of advice is not about early retirement investing. These ideas might be fine for the average person, but they will not work for you. To retire early, you need a different type of investment. You need more leverage. You need better tools.

The first thing I recommend you do is learn about penny stock investing.

I define penny stocks as any share that trades under $2.00. I have learned about and specifically developed my techniques and trading methods to apply to these shares.

Keep in mind that what is and is not a 'penny stock' will depend on who you ask. There is no one set definition. The only common characteristic that I feel holds true from one definition to the next, is that penny stocks are high risk, high reward investments.

Now, let me clarify that last statement.

Trading penny stocks is high risk to the average investor. Penny stocks prices swing more rapidly than stock the average investor buys. Trading it requires more time and effort. You must also have a solid money management plan in place.

Few financial professionals venture into the field of penny stocks because they are either unwilling or unable to do the work required to accurately predict what these highly explosive shares may do.

This is why average investors stick to more 'conventional' investments, like mutual funds. They are easy, quick and clean. They pay the money and hope for the best.

I never did that. I knew there was a way to harness the power of these emerging companies. After a lot of work, I found the answer. There are a lot of companies that dedicate their time to research penny stocks. These companies then provide penny stock picks to their subscribers for a small fee. Using this service, I have leveraged their research to provide gains far superior to mainstream investing. This is the fastest and easiest way to get a better return on your dollar.

Get comfortable using penny stocks while investing for retirement. When you have got a good system going using your picks, you need to move into forex investing.

Forex stands for Foreign Exchange Market. It is a far more leveraged market that will allow you earn increasing better returns while investing for retirement.

Education in forex is incredibly important. Many people get involved way too quickly when they realize the potential this market offers. To invest wisely, you will need to properly prepare yourself. A good forex course should teach you the fundamentals of the market and help you develop personalized forex trading strategy.

Be selective with your forex education. I highly recommend an online course through a man named Sid Wyemann. The course is offered through his website ForexTrainingWorks. This where I learned to trade forex. He offers a four week interactive online training course. I have not found anything better when it come to investing for retirement.

Sid teaches beginners. His course is systematic and proven to effectively train the necessary skills to become an effective trader. Throughout the course, Sid personally helps you develop a forex day trading system.

Do not take a course that does not offer a similar feature. Creating a trading and money management system that works for you is the only way to be successful. This is one feature you training must offer.

Investing for retirement using penny stocks and forex will produce far better results. Early retirement will come much faster. You will also be able to continue investing during retirement. This will ensure that your assets continue to grow producing more and more cash flow.