This could be the "safe haven" investors need right now. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

AN OXFORD CLUB PUBLICATION

Loyal reader since December 2024

View in browser Editor's Note: Imagine knowing exactly how big of a return you can expect to make on an investment before you invest a single dollar. In this market, that kind of safety and stability could be a complete game changer! Fortunately, that's the opportunity that's in front of you right now... but Chief Income Strategist Marc Lichtenfeld recommends taking action before a big announcement on April 2 that could be a "shocker" to everyday investors. Learn more about the situation here. - James Ogletree, Managing Editor FINANCIAL LITERACY The Ultimate Way to Stabilize Your Portfolio Marc Lichtenfeld, Chief Income Strategist, The Oxford Club You always remember your first... I'm talking about investments, of course. What did you think I was referring to? I bought my first stock in 1990. It was Harley-Davidson (NYSE: HOG). I bought 50 shares at $12. Three months later, I sold it at $18. Stock trading commissions were $49 per trade, so I made a cool $202. SPONSORED Urgent: The Biggest Gold Bull Market in History Is Here Central banks are buying gold at record levels — the fastest pace in over 55 years. With inflation climbing and the Fed cutting rates, gold is set to skyrocket. Goldman Sachs predicts continued bullish momentum, while JP Morgan has dubbed this a "golden era for gold." One unique way to profit from this surge is through an under-$20 play that offers exposure to more than 1 oz of gold (worth $2,500). Click here for urgent details — don't miss out. A few years later, my wife worked at a household-name consumer goods company. The company was doing okay, but it had some upcoming initiatives I thought would work well. The company was privately owned, so there were no shares to buy, but then I discovered that it had bonds. I knew very little about bonds at the time, but I wanted in on this company. As I dug into the financials and learned more about bonds, I remember thinking, "You're telling me that I can buy this bond for $820 and in three years, I'll receive $1,000 - all while being paid 7.25% per year? I am definitely in." You see, bonds are very different from stocks. When you own a stock, you have an ownership stake in the company, and your fortunes are tied to those of the company. When you own a bond, you do not own a piece of the company. You are a creditor of the company. A bond is a loan - and loans must be paid back. Pretty much the only time those loans are not paid back is if a company goes bankrupt. I bought the bonds. And right on time, at maturity, I received $1,000. Now, here's the thing about bonds. Those initiatives the company had that I was excited about didn't work out as well as I thought they would. If I had owned the stock, it probably would not have gone anywhere. The price might have even gone down. But with a bond, it doesn't matter if earnings are down, if the company disappoints Wall Street, or if it is embroiled in a scandal. If the company is going to remain solvent, it pays back its loans. The bond is backed by a contract that is enforced by law. This company was still profitable, just not as highly profitable as many expected it to be. So paying off the loans was absolutely no problem, and I made a nice return - all while receiving a decent yield. SPONSORED Trump's Secret Weapon: 'Document 20' Unleashed Source: Wikimedia Commons A explosive document written by Trump could send the Dow soaring to 75,000. Top analyst reveals details on which stocks might surge during the second Trump Stockwave. Click to see the details before it's too late. Don't get me wrong. I'm still a stock guy. I love collecting dividends, seeing the dividends increase every year, and watching the stock prices go higher. But as I get older, income and capital protection become more important each year. And bonds are how I achieve that. I collect solid streams of income, knowing I'll receive $1,000 back per bond at maturity no matter what I paid. If I paid $1,000, I get my money back while being paid a decent interest rate. If I paid less than $1,000, I have a profit at maturity, also with interest. If I can find a solid company whose bonds pay a good yield and are trading at a discount - say, in the $900s or even $800s - I jump on them, confident I'll be paid $1,000 at maturity. One thing many people don't realize about bonds is you can make big profits on certain speculative bonds. For example, let's say a bond pays a 4% coupon, but the company has run into trouble and the bond is trading at only $500 instead of $1,000. This is known as a distressed bond. The market is telling you that it does not have confidence in the company's ability to meet its obligations. But if you believe the company will be able to fulfill its legal requirement to pay back bondholders, you could buy the bond for $500, collect an 8% yield (if the bond is half-price, the yield is twice the stated coupon) and double your money when the bond matures at $1,000. Keep in mind, that last example is for investors who can handle high risk. Most bond investors are perfectly content buying a safer bond in the $900s, collecting a solid yield, and pocketing a profit at maturity. Owning bonds is a great way to ensure you collect income, stabilize your portfolio during volatile markets, and make some profits along the way. I was a bit lucky that the first time I picked a stock, it ended up working out. With bonds, you don't have to be so lucky. They're built to work out - that's the whole point. Good investing, Marc P.S. I recently released a presentation on a special kind of bond I call a "superbond." I'd bet less than 1% of investors own superbonds... but my favorite superbond right now is offering a 200% contractually obligated return within four years. Watch my video to get the details. BUILD AND PROTECT YOUR WEALTH Forget Scanning Stocks. Discover Why Trading 1 Ticker Over and Over Could Have Produced Triple-Digit Gains Week After Week. [Watch Video] Will Trump Ruin the April Market Effect? Discover the Top Passive Income Opportunity for 2025... Steel Tariffs Are Back (And This Stock Could Skyrocket) MORE FROM WEALTHY RETIREMENT Crispr Therapeutics: A Gene-Editing Pioneer at a Crossroads Delek Logistics Partners: A Growing Energy Play With a 10% Yield The #1 Question Every Investor Should Be Asking How I Helped Readers Make 140% During a Market Decline Facebook LinkedIn Email Share Push Alert SPONSORED Yours Free! Top FIVE Dividend Stocks Right Now Marc Lichtenfeld - income expert and author of Get Rich with Dividends - is giving away his Ultimate Dividend Package... completely free of charge! You'll discover... An "A"-rated, ultra-safe dividend stock with a huge 8% yield Three of Marc's favorite "Extreme Dividend" stocks, which could supercharge your income And finally, Marc's No. 1 dividend stock for a LIFETIME of income. Click here to get the names and ticker symbols now... before the download link expires. **NO CREDIT CARD REQUIRED!** You are receiving this email because you subscribed to Wealthy Retirement. Wealthy Retirement is published by The Oxford Club. Questions? Check out our FAQs. Trying to reach us? Contact us here. Please do not reply to this email as it goes to an unmonitored inbox. Privacy Policy | Whitelist Wealthy Retirement | Unsubscribe © 2025 The Oxford Club, LLC All Rights Reserved The Oxford Club | 105 West Monument Street | Baltimore, MD 21201 North America: 877.808.9795 | International: +1.443.353.4621 Oxfordclub.com Nothing published by The Oxford Club should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation. Any investments recommended by The Oxford Club should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of The Oxford Club, LLC, 105 West Monument Street, Baltimore, MD 21201.