Self Direct Investments & Multiply Your Wealth

What would 2 million more in retirement do for you?

Most just allocate their retirement funds to institutions and/or advisors.

Then they close their eyes and hope they will have enough when they go to retire.

Do you want to leave that to fate?

Taking Control: DIY Investing (Investpreneur) vs. Financial Advisors

You know it's time to ditch the advisor or institution when you pull up historical returns and see they are average.

Average these days is a shrinking middle class that is scared that they will have enough in retirement.

While advisors offer convenience, they also come with a hefty price tag that can eat away at your long-term gains.

Many wealthy investors' "secrets" aren't complicated—they involve direct investing, focusing on higher potential returns, and the magic of compounding.

Are you ready to learn how to make your money work harder for you?

The Promise of DIY Investing

The financial industry wants you to believe that building wealth requires complex strategies and insider knowledge.

But what if the path to greater returns is simpler than you think?

Direct investing means taking ownership of your portfolio – buying stocks, bonds, real estate, or other assets yourself.  

This approach can lead to several advantages:

• Higher Potential Returns: When you cut out the middleman (your advisor), you avoid their fees, which can average around 1% of your portfolio every year.  That might not sound like much, but over decades, it adds up significantly.  (We'll show you the math later!)
• Greater Control: DIY investing empowers you to choose investments that align with your goals, risk tolerance, and personal values.

Of course, direct investing isn't a free lunch. It requires time, research, and a willingness to take on responsibility for your own financial decisions.

The Role of Financial Advisors

It's important to be fair – financial advisors can offer valuable services to certain investors.  Here's when working with an advisor might make sense:

• Expertise and Guidance:  Experienced advisors can offer in-depth market knowledge and help you create a well-structured portfolio.
• Tax Planning: Navigating complex tax strategies, especially for high-net-worth individuals, can be where an advisor earns their fee.
• Behavioral Coaching: An advisor can be a calming voice of reason if you struggle with emotional investing (panic selling, etc.).
• Laziness: Straight up, you don't want to deal with it!

However, it's important to remember that not all advisors are created equal.

Past performance matters, as does their overall investment philosophy. Their fees directly impact your bottom line.

The Compounding Difference: A Tale of Two Portfolios

Talk is cheap – let's get visual.  Imagine you invest $100,000 today and let it grow for 30 years.  Here's how two different scenarios could unfold:

• Scenario 1: Advisor Managed Portfolio  A respectable average annual return of 8% (after fees are taken out).
• Scenario 2:  DIY Portfolio  You achieve an average annual return of 12%, a realistic goal with direct investing strategies.

Sound like a small difference? Take a look at this chart:

The results are shocking!

Over 30 years, that seemingly minor 4% difference led to a gap of two million dollars. That is if you consider an initial investment of $100,000 with no monthly contributions. Imagine the power of compounding with regular allocations.

That’s money directly in your pocket with DIY investing.

Who Should Consider DIY Investing

Direct investing isn't the right path for everyone. Here's how to know if it might be a good fit for you:

• You Have a Long-Term Mindset: Compounding takes time. DIY investing is best suited for those with patience and a multi-year (or even multi-decade) investment horizon.
• You're Willing to Learn: Investing success requires ongoing education – about markets, asset classes, and strategies. Are you prepared to put in the study time?
• You Can Handle Some Risk: DIY investing means taking on more decision-making responsibility.  You'll need to be comfortable with the possibility of market fluctuations.
• Join Communities: Joining communities with people of similar interests.

When an Advisor Might Be Right for You

Let's be realistic –  there are situations where working with a financial advisor provides benefits that outweigh the cost of their fees.  Here are a few examples:

• Lack of Time or Interest: If researching investments and managing your portfolio feels overwhelming, an advisor can take this burden off your shoulders.
• Complex Financial Situations:  Navigating intricate estate planning or specialized tax strategies often needs expert assistance.
• Need for Behavioral Guidance:  If you find yourself prone to panic-selling during market downturns, an advisor can provide a steadying influence.

Conclusion: Taking Charge of Your Financial Future

The choice between DIY investing and using a financial advisor is a deeply personal one.

There's no single "right" answer that fits everyone.

The most important takeaway is this: Building significant wealth requires informed decision-making.  

Whether you choose to go alone or seek professional guidance, understand the potential impact on your long-term financial goals.