Introducing a NEW Advisory From StreetAuthority:

HIGH-YIELD INVESTING

Debunking the Great Dividend Myth...

Learn how you can safely build a diverse portfolio 
that will provide you with more income 
than you’ll ever need.

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Dear Investor,

Just a few short years ago most investors were gleefully thinking how comfortable their retirement would be thanks to their enormous stock market gains.  Few cared about dividends when they were pulling in profits of 30% to 50% per year.

Mention dividend-paying stocks and most investors yawn.

In this day and age of market uncertainty, however, it's a whole new ball game.  Thanks to a recent tax cut on dividend payments, as well as the fact that income stocks tend to perform well in both good times and bad, dividend-paying stocks are now back in the spotlight.

So, if you think dividend-paying stocks are boring investments, think again.  Read on and see why many investors miss out on the benefits of dividend-paying stocks and never manage to build diversified, balanced portfolios that provides superior income and safety.  Investors who ignore dividend-paying stocks are playing Russian roulette with their retirement.

Stocks that pay steady dividends year after year should form the rock-solid core of every investor’s portfolio. 

The Great Dividend Myth

We've heard it, over and over again, that growth and dividends do not mix.  However, the opposite is actually true.  Over the long haul, in fact, history has shown that dividend-paying stocks tend to outperform the broader market.

It's easy to underestimate the advantages of owning income stocks. However, to do so would be a huge mistake. A look back at market data over the past 75 years shows that over 40% of the market's total returns have come in the form of dividends.

Between 1926 and 2003, dividends contributed 42% of the total return delivered by the S&P 500. A $1,000 investment in the S&P 500 in 1926 would be worth $2,260,000 today, if reinvested dividends were included, but only $90,000 without the dividends.

If history is any guide, then dividend-paying stocks are more likely to perform better than their non-paying peers over the long haul.  And this performance holds up over shorter time periods too.  Studies show that dividend payers have outperformed non-payers from 1970 to 2002 as well.

Earn Higher Yields With Less Risk

Dividend-paying stocks are also less volatile than the overall market, meaning they can be counted on to deliver steady returns through both good times and bad.

For example, dividend-paying investments fared better than their counterparts during the recent bear market. In 2002, stocks of dividend-payers in the S&P 500 Stock Index posted an average decline of -18%, compared with an average decline of -30% for those that did not pay dividends.

And, from Dec. 31, 1999, to Dec. 31, 2002, the average total return for dividend-paying stocks was 10.39%, while the average total return for non-dividend-paying stocks was –33.19%.

Dividends also provide an opportunity for you to reinvest your gains. For example, as the graphic below illustrates, a hypothetical investment of $10,000 in S&P 500 stocks in 1982 would have been worth about $60,000 without dividends 20 years later. However, if you had reinvested the dividends paid on your holdings, then the total would have jumped to more than $100,000!

So, as you can see, income investing is not only a safer way to invest, but it's also a smarter way to invest.  Good income-producing stocks will not only provide you with dependable income year in and year out, but they're also capable of outperforming the broad market averages as well.


Give Your Retirement a Future Pay Increase

How do you plan to live your retirement?  Do you worry about running out of money or cutting back on your retirement lifestyle?  Do you worry about having to having to work longer before you can retire, or possibly needing a part-time job?  

Well, I have good news for you.  The High-Yield Investing Dividend Optimizer can help ensure that you hold only the best dividend-paying companies on the market.  The top 25 picks that we identify using this proprietary indicator each month can help you earn above-average income and steady capital appreciation. 

Meet Carla Pasternak


Carla Pasternak draws on a variety of financial backgrounds to make profitable calls on income- generating stocks for her readers.
  Carla has been employed in the investment industry for more than two decades. In addition to her work as a writer for several other nationally recognized financial publishers, her previous experience includes a position as President of a well-respected investor relations firm. She has also been writing shareholder reports for public companies (annual reports, speeches, corporate profiles, slide shows, etc.) since 1980.

A highly successful investment analyst, Carla specializes in high-yield, income-paying stocks. In that pursuit, she's always mindful to select companies that not only pay rich dividends, but that also have the potential to deliver strong long-term capital gains. 

On the educational front, Carla holds both MBA and Ph.D. degrees. When she's not watching the market, she's teaching business courses at the college level and managing several million dollars in portfolio assets.

The Dividend Optimizer is an extremely powerful quantitative screening model that editor Carla Pasternak uses to rank only the "best of the best" income stocks each and every month.

Carla uses a high-powered screening tool to narrow the vast universe of over 10,000 companies down to 100 companies with superior earnings potential.  In doing so, she looks for firms with above-average dividend yields (higher than the average company in the S&P 500), records of strong dividend payments and superior earnings growth.

The main goal of this model is to capture stocks when they are delivering higher-than-average dividend yields (such stocks are usually undervalued), and to avoid stocks that are delivering below-average yields (these stocks are usually overvalued).

Based on this criteria, Carla then assigns a unique ranking to each of the 100 income stocks she has pre-selected.  Her staff then sorts this list each month to bring you a list of 25 high-quality, undervalued income plays. In summary, Carla's Dividend Optimizer will ensure that you always have a timely list of the most promising dividend-paying stocks on the market.

What is High-Yield Investing?

High-Yield Investing is a monthly investment newsletter that brings you a wealth of information on the best and brightest income-oriented investments for you to consider.

Each issue is chock full of market news, analysis, model portfolios, special reports and proprietary screening tools that will help you become a much better and more profitable income investor.  Here is what you will receive each and every month as a High-Yield Investing subscriber:

Monthly Market Snapshot -- The Monthly Market Snapshot will give you a brief and focused view on the current status of the market as it pertains to income-related investments.  This section will provide specific data on the Dow Jones Select Dividend Index, as well as interest rate figures such as 30-year mortgage, 10-year treasury and 3-month T-Bill. We'll also provide you with timely charts of the U.S. Treasury Yield Curve and the Dow Jones Dividend Index. 

Market Analysis -- In this section, editor Carla Pasternak will summarize the past month's market activity and will tell you in plain, simple English how it affects your income investments.  She'll not only tell you how to protect your investments, but she'll also uncover some great opportunities to generate above-average income in today's market environment.

In-Depth Profiles -- Carla devotes this section of the newsletter to an analysis of two specific income-producing investment ideas that can help you achieve above-average returns over the long haul.  Each month she'll thoroughly profile two new companies and will back up her analysis with sound fundamental analysis.  Carla will do all the research for you, and when you're done reading you'll know exactly why we like each stock.

Model Portfolios -- You'll have access to three model portfolios that focus on different income-oriented investments. 

Our Income Anchors Portfolio contains stocks with above-average dividend yields. And since dividend payments are by no means guaranteed, we only invest in financially solid companies that should have the ability to continue paying sizable dividends in the years ahead.

Our High-Yield REITS Portfolio contains a select group of high-yielding real estate investment trusts (REITs) that operate primarily in the property and mortgage markets.

Our Low-Risk Funds Portfolio includes a mixture of income-oriented-ETFs (exchange-traded funds) and a variety of outperforming mutual funds that can help you not only generate income, but also diversify your portfolio.

Sign up For a Charter Trial Subscription Today and 
You'll Also Receive Up to Three Special Income Reports


The Dividend Optimizer...Uncovering High-Yield Stocks at Bargain Prices

With about 2,000 dividend-paying stocks to choose from, income investing can be an overwhelming task. In particular, it's often very difficult and time consuming for investors to find companies that meet their strict investment criteria. With this in mind, in mid 2004 our staff at StreetAuthority decided to harness the power of the computer to make the job of finding attractive income stocks easier for you.

In this special report we'll introduce you to our proprietary model, which we've dubbed the "Dividend Optimizer." We use this model in each and every monthly issue of High-Yield Investing to uncover a listing of some of today's top income stocks. We’re very excited about this new model, and early results confirm it is indeed a remarkably powerful tool for identifying solid high-yield stocks at bargain prices.

Bargain hunting for dividend stocks has never been easier. Thanks to the "Dividend Optimizer," you can now quickly and easily sort through hundreds of high-yield stocks and pinpoint only the ones that offer the best bang for your buck.


High Yield Winners...Three Stocks with Hefty Dividends and the Cash to Keep Paying Them

In today's fast-paced investing world, where everyone is looking to make a quick fortune on volatile technology stocks, it's easy to overlook the many advantages offered by income stocks. However, to do so would be a huge mistake. In fact, a look back at market data over the past 75 years shows that nearly half of the market's total returns have come in the form of dividends.

Between 1926 and 2003, dividends contributed 42% of the total return delivered by the S&P 500. It's been calculated that $1 invested in the S&P 500 in 1926 would be worth $2,260 today if reinvested dividends are included, but only $90 without the dividends!

The goal of this special report is to point you toward a few select income stocks that are poised to deliver market-beating returns in the years ahead. All three of the portfolio anchors we profile in this report are established companies with solid fundamentals. Although they operate in a variety of different industries, each company has steadily increased its dividend payment year after year in the past, and each should continue to do so in the future.


Safety and Income the StreetAuthority Way...Five Income Stocks That Can Secure Your Retirement

The tremendous volatility we've seen in the U.S. stock market in recent years has been difficult for most investors to stomach. In particular, for the millions of investors who are already in -- or are relatively close to -- retirement, the brutal three-year bear market from 2000 to 2003 spelled disaster for their financial plans. Many retirees no longer have the savings and financial security that they once enjoyed, and some of those who made risky bets on high-tech stocks have even been forced to re-enter the workforce just to pay the bills.

In this special research report our editors will teach you the secrets and individual stock picks that have helped StreetAuthority's readers post sizable gains amidst the market turmoil.  In doing so, we'll familiarize you with a unique income-oriented investment class and will bring you an in-depth look at five publicly-traded companies that could be poised to post above-average returns and stable dividends in the coming years.


REITs You Can Trust -- Three High-Yielding REITs with Safe Dividends
In this special report we take a closer look at both the rewards and the risks associated with investments in real estate investment trusts (REITs). We also bring you an in-depth profile of three individual REITs that are poised to deliver market-beating returns in the years ahead.

Studies have proven that adding REITs to a portfolio not only generates higher returns, but also helps reduce risk. That’s because REITs generally don’t move in the same direction as the stock or bond markets. As a result, REITs can provide you with an excellent tool to help diversify your portfolio and smooth out your overall returns.

However, this unique asset class offers much more than just diversification, it also offers the potential for tremendous returns. REITs have returned a stunning +17% (including dividends and share price appreciation) per year over the last three years, far outpacing the market’s paltry +2.4% annual gains. Although some investors are now concerned that REITs may have seen their best days, the reality is that the sector has delivered above-average returns for decades, and that trend shows no signs of slowing anytime soon.



Try It Today for 30 Days Without Risk!  

Because we are so sure that once you try High-Yield Investing you’ll be a subscriber for for the long haul, we invite you to try this newsletter for the first 30 days without risk.   

During this 30-day trial
period, if you find the service is not for you, you can easily cancel your subscription for a full, no-questions-asked refund.  Simply click on the link located near the bottom of every newsletter issue we send you or visit our "My Account" page on our web site. No need to call or email us.  It's easy to cancel.
  
This is our way of introducing High-Yield Investing to new subscribers and of weeding out subscribers who are not serious.  We’re looking for serious subscribers – subscribers who are genuinely interested boosting their portfolio and earning steady income and profits. 

Just one of Carla Pasternak’s solid income ideas during your trial period could more than cover the cost of your subscription for an entire year!

So, go-ahead and evaluate High-Yield Investing without risk.  See for yourself how easy it is to profit from Carla Pasternak's Dividend Optimizer and her in-depth income-oriented guidance.  Follow the button below to begin your complimentary 30-day trial today!  Hurry! Offer Expires Soon!

We look forward to making 2004 your most profitable year ever!

Best wishes for investing success!


Lou Betancourt
Publisher
http://www.StreetAuthority.com

StreetAuthority LLC
P.O. Box 83217
Gaithersburg MD  20883-3217
USA


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