Hello, my name is Kirk Spano. I am the publisher of Fundamental Trends and an investor for over 25 years. My track record is among the best as measured by TipRanks. In 2011, I was named “the World’s Next Great Investing Columnist” by MarketWatch of the Wall Street Journal Network.
You can learn all about me here. I hope you enjoy the site and find it useful.
More important than me is that the pace of change in the world is accelerating. With that change comes disruptions, disappointments, setbacks and a world of opportunity to get ahead.
Climate change, geopolitical risk, aging-demographics and global debt have conspired to create the “slow growth forever” global economy that I have described in the press.
To save us from a prolonged depressionary period, massive changes will have to take place within the global economy. Those changes are already under way.
Understanding and managing change can secure your financial freedom.
Over the next few decades we will see massive changes to the energy system from alternative energy to a smart grid. That will support a further electrification of the world, including to electric vehicles.
Machine learning will move supply chains closer to end consumers causing efficiency and also upheaval. Natural resources and agriculture will become far more efficient to supply and feed the world. Healthcare will become less usury and more user friendly.
And much more!
In every era of change, mankind has struggled to wrap its minds around the change. Yet, every time, we change and the world ends up better. This time will be no different.
We will see recessions and false starts. We will blame, feel confusion and experience bad policy. But ultimately, we will see a way forward that improves our collective standard of living.
Those who keep their wits, control their emotions, plan accordingly and invest wisely will do even better.
Navigating Change Better
Managing change is often emotionally stressful. Whether it’s money or love or children growing up, change puts us to the test. If we can control our emotions, then we can overcome any challenge.
Make no doubt about it, the threats to our financial freedom are real. Job losses, foreclosures, healthcare bills, business liabilities and stock market losses are only a few of the things that can go wrong.
But, we can deal with any of those things with a forward looking plan and a willingness to take some deep breaths once in a while.
Secure Your Financial Freedom
Securing your financial freedom starts with one simple rule: spend less than you earn.
Your goal as a saver and investor should be to pay down any debt that carries an interest rate higher than the inflation rate (about 2% right now) and then save 25% of what you earn for investment.
That investment doesn’t necessarily have to be the stock market. It could be real estate or your own business.
Real estate investing when you can find an return on invested capital of 20% or higher (don’t forget ongoing expenses) is often a great place to build wealth. If you can’t get a ROIC of 20% or higher find a different deal or wait for a market pullback.
If you have a low risk opportunity to start a business, I encourage anybody with the desire to open a business to do so – always start with a written business plan that you spend months and months adjusting.
As far as using your investments to secure your financial freedom, there is also one rule to start with: what most people are doing is wrong.
Most people believe things about investing that are simply wrong. The press perpetuates it. Academics confuse it. The financial industry sells it.
In order to be a good investor you need to have a way to filter out the bad information. Fundamental Trends is part of what you can use to be a better investor.
Fundamental Trends Offers You
A low cost way to become a better investor.
Start by reading our free blog and getting a Library Card for our special reports (coming June 2019). I have been lucky to meet a lot of good people over the years, the special reports are worth the price of admission ($49 for a lifetime pass).
Then – and I know I’m supposed to give you a huge sales pitch here, but I’m not going to do that – find a service that makes sense for you.
The 401k Alert service is a great service for those with a retirement plan at work. For only $99 per year, I will let you know exactly when to reallocate to lock in your profits, reduce your risk or take advantage of an opportunity.
Our other services run the range from ETF Investing to Swing Trading and everything in between. We have growth investing ideas and retirement investing ideas. Pick what makes sense for you.
Most people will like the “almost everything” service called Intelligent Investor. It includes everything on the site except swing trading.
For those with some skills already as a trader and looking to get better, as well as, share great ideas, I offer R.A.R.E – Risk Adjusted Returns Elite. This service is a supercharged version for investors with extra time and extra high goals. It’s not for everybody, but for those it makes sense for, it will help you far more than the subscription price. In fact, if you don’t make your money back within 4 months, I’ll refund that portion of rate.
No matter what you choose, my team and I will do everything in our power to help you secure your financial freedom.m