Dear Reader,

My name is Todd Skousen.

I’m an Economist with The Oxford Club.

Since our founding in 1987, our research has helped members make more money – through all markets – by knowing exactly what to do, and when.

For example, back in 2000, we warned our members about the coming dot-com collapse. We said that, “We are at the peak of most likely the greatest financial mania that has been seen in our lifetimes and, quite possibly, the greatest ever witnessed.”

Shortly thereafter, the dot-com bubble burst. The Nasdaq 100 lost three-quarters of its value and the leading index of internet stocks was down 90%!

But our members were safe.

Likewise in 2008, we told our members to sell everything before the financial crisis struck full force. We got out in time and actually averaged a positive gain of 28% on each sale even as the market dropped 37%.

Once again our members missed the worst of it.

Today, I write to warn our readers once again.

The last 40 years of American history were filled with crises. We’ve seen the Energy Crisis of the 1970s… The Savings and Loan scandals of the 1980s… The Dot-Com Bubble of the late 1990s… and the Housing Crisis of 2008…

But little could we know that all of it was leading to one singular event.

After years of unchecked deficit spending… Trillions spent on failed wars and policing the globe… Untold numbers of bailouts and giveaways… An avalanche of money printing… And unprecedented money manipulation by the Fed… We now are at a “tipping point” in American history.

Once we go over the edge, there will be no turning back. And if I’m correct, that moment has just passed.

What comes next will be a kind of sudden, shocking financial event the likes of which we’ve never seen in America.

It’s a market phenomenon that is very unique in two ultra-specific ways.

First, nobody will see it coming.

There will be no news stories. No warnings from the government or Wall Street. No chance to protect yourself until after the damage is already done.

But second, and even worse, there will be no place to hide during this event. Unlike past market disruptions in American history, you won’t be able to “cash out” and sit on the sidelines.

Bonds… Treasuries… Mutual Funds… Pensions… Cash… Real Estate… Savings Accounts… Virtually everything Americans use to maintain wealth will be affected.

If the evidence I’ve uncovered is correct (which I’ll show you here point-by-point), we could end up in a situation where you need $10 million or more to survive in retirement… Where millionaires require food stamps just to get by… Where 80 year olds flood the job market looking for work…

It’s going to be an extremely difficult time for those who are unprepared.

And that’s why I decided to “go public” and put together this presentation for you today.

In it, I’ll show you exactly what could happen during what I call an “Invisible Crash.” I’ll show you how it might already be affecting your retirement… I’ll give you a blow-by-blow account of why it will ramp up very quickly in the days ahead… I’ll dig deep into the debt and economic crises that caused it…

But most importantly, I’ll show you the three simple steps I believe you MUST take if you want to protect and grow your wealth in the coming years.

For example, one step we’re advocating involves a vastly overlooked safe haven. It’s an unusual AAA-rated investment opportunity that actually increases your payouts year after year. And the payouts are so high that it could double your money every five years.

Another step involves a way you could potentially build a $10 million retirement portfolio starting with a very modest sum. (I think you’ll be very surprised how easy it can be.)

I’ll show you how to implement these plans so your retirement is not only 100% safe during this strange market scenario – but so you also have a real opportunity to lead the financially independent lifestyle you should.

But I will warn you. What I’m about to reveal could be quite disturbing. I will not sugarcoat the truth.

I simply ask that you weigh the facts as I present them. And then decide for yourself if my conclusions are correct.

Here’s everything from the beginning…

How I Discovered This
Strange Market Phenomenon…

I’ve told you about a few of the predictions we’ve made over the years to protect our members. We were spot-on in our warnings about both of the last two major market crashes.

But at The Oxford Club, we are far from doomsdayers.

In fact, most of the time we consider ourselves to be bull market optimists.

That’s why, in February 2009, we sent out a letter to members telling them that the market had bottomed out and that they should expect a sudden rally in stocks.

In it, we predicted the beginning of a 3,000+ point rally. And on the surface, we were right.

As you can see in the chart below, stocks rose by 4,436 points or 54% in the following three years.


Our prediction proved to be accurate.

But something didn’t sit quite right. The economy was still in shambles. Unemployment was sky high. Our national debt was climbing at a rate of more than $1 trillion per year.

Obviously, the success in the stock market was completely out of balance with what was going on in our economy.

We needed a new approach to measure success in the stock market. So, I decided to start tracking stock market performance not in dollars, but rather in hard assets.

And what I found was shocking…

While stocks were soaring in terms of dollar value, they were actually crumbling in terms of real value.

Here is a chart of those exact same stocks… Over the very same period… But priced in gold ounces rather than dollars:

Down 16%.


That’s quite a difference. Up 54% in dollars. Down 16% in gold.

Using other hard assets gave me equally disturbing results.

Here are those same stocks again, but priced in industrial metals like copper, aluminum, tin, nickel, and iron ore:

Down 21%.


Here they are priced in cotton:

Down 16%. Just like gold.


In dairy products:

Down 14%.


And worst of all, here are those same stocks priced in oil:

Down a whopping 43%.


In other words, while stocks had risen in dollar value, they were vastly down by almost every measure of real value.

The truth of the matter is…

Even if you had the incredible foresight to invest in the Dow at the bottom of the market in 2009, you were still actually worse off by 2012 than you were back then.

I know that may sound strange. You probably don’t feel worse off. But if you let me explain further, I think you’ll see what I’m getting at.

Take a look at this table for reference.

What a Share of the Dow is Worth
2009 Vs. 2012
2009
2012
8.72 Ounces of Gold 7.3 Ounces of Gold
198 Barrels of Oil 113 Barrels of Oil
15,000 lbs Cotton 12,600 lbs Cotton
4,000 Gallons of Milk 3,440 Gallons of Milk
2.6 Tons Copper 1.5 Tons Copper

In 2009, a share of the Dow bought you 8.7 ounces of gold. By 2012, just 7.3 ounces.

In 2009, the Dow traded for about 198 barrels of oil. In 2012, just 113 barrels.

In 2009, the Dow was worth 15,000 pounds of cotton. By 2012, just 12,500 pounds.

Bottom line: Whether it’s gold, oil, cotton, milk, or nearly any other tangible good, by 2012 a share of the Dow bought you far less than in 2009.

Of course, you probably don’t buy these types of hard assets on a regular basis. However, this situation is a troubling indicator of what’s to come. And here’s why…

It’s called the time-lag effect of price inflation. When the cost of raw essentials goes up, businesses are reluctant to raise the prices on consumers. But over time, once they realize that their new cost levels are permanent, prices will have to rise across the board.

It’s this fact that’s allowing the government to claim that inflation isn’t a worry right now. They’re looking only at consumer prices and not at the huge increases in prices of resources and hard assets.

However, that’s starting to change very quickly.

I’m sure you’re starting to see the increase in cost of living almost everywhere you turn.

From gasoline and milk… To automobiles and airline tickets… Tuition and healthcare costs. Chances are you’re starting to pay a whole lot more for the basic necessities.

So why has this happened? Why have stocks jumped in dollar terms while they’ve collapsed when priced in real assets?

A Phantom Recovery

The reality is that this phenomenon is not hard to understand if you know what’s going on in America right now. In fact, it actually explains everything.

Ever since the start of the financial crisis, instead of actually fixing any of our problems, we decided we’d simply let Ben Bernanke and the Fed solve everything.

We didn’t try to work out our uncontrollable debt problem… Our runaway healthcare and college tuition costs… Our long-term unemployment disaster… Our non-existent GDP growth… And certainly not our insolvent entitlement programs.

All we really did to fix the economy was pump money in and hope for the best.

It started with the Fed bringing interest rates down to 0%.

People forget that this was unprecedented.

Never in the history of our country had we offered to lend out money without receiving any interest in return.

In the last 50 years, we’ve hardly even dropped below the 4% mark. You would think dropping rates to 0% would have required a big debate, but shockingly it happened without anyone questioning whether this was a good idea.

Everyone just went along with it, even as the Fed tried something that had never been attempted in over 56 years. Take a look at this chart to see what I’m talking about:


See that tiny little line at the bottom right corner? That’s our 0% interest rates for now four years running.

And when low interest rates didn’t work, they tried the more direct approach of having the Fed pump physical dollars directly into the system.

Did you know that we’ve had over 39 consecutive months of double-digit monetary inflation in this country?

It’s true.

The Fed has tried all kinds of tricks to juice the economy.

They’ve tried QE1 and QE2… Operation Twist… Mortgage-backed security purchases… Promises to extend 0% interest rates far into the future…

To me, this is one of the most telling charts about what is going on right now. It’s the adjusted bank reserves of the United States.


As you can see, in late 2008, you get a massive 10-fold spike in the amount of money in the system.

It’s only continued climbing from there.

And yet, none of this monetary stimulus by the Fed has done anything to solve our real economic problems.

For one thing, the unemployment picture is still awful. As of mid-2012, there were about 5 million more unemployed Americans than at the start of 2008.

Income and wages haven’t increased at all, either.

The Wall Street Journal confirms that “the income of the typical U.S. family has fallen to levels last seen in 1995.”

But the Fed’s money-pumping has created one very real and tangible result.

Prices have skyrocketed across the country.

Just in the last four years since the “recovery” began, we’ve seen record prices in corn… milk… gold… cotton… gasoline… copper… orange juice… beef… grain… Virtually everything.

You name it and the price has soared.

And yet, we’re still in the very early stages of this phenomenon right now.

As all the money pumped in by the Fed finally makes its way into consumer prices, I think Americans are going to be shocked by the sudden and dramatic rise in the cost of living.

In fact, prices are already rising so fast, that stocks can’t keep up. Priced in virtually every asset other than dollars, stocks were sharply down between 2009 and 2012.

This is what I call an “Invisible Crash.”

It’s a situation where so much money is pumped into the system that stocks do in fact rise, but the cost of living goes up even faster.

Think of it this way. If your stocks are up 30% for the year, but your cost of living is up 50%, you’ve actually lost 20% of your wealth.

That’s basically what our country is going through right now.

For example, over the 3-year period from 2009 to 2012, you would have needed returns of 28% per year just to break even. That’s tough for most regular people to do.

And for reasons I’m about to get into, I believe that it’s not just likely, but inevitable that it will get much, much worse.

In fact, I think the Fed’s latest announcement is the final straw that begins the first ever major Invisible Crash in this country.

Consider, the Fed’s latest move consists of pumping $40 billion per month into the economy indefinitely… Extending 0% interest rates years into the future with no end in sight… And all with the promise to “do more” if it doesn’t work.

In other words, they’re putting all their chips on the table.

They’ve openly declared that they will do anything to get our economy moving again.

And, the more they do this, the more the cost of living and price inflation is going to wipe out the savings that everyday Americans are barely holding on to.

The fact of the matter is… If you do nothing now, it’s likely that huge amounts of your wealth will be wiped out.

However, there are several steps you can take to potentially create supercharged growth in your retirement account over a very short period.

For example, you’ve probably never heard of what we call the “True Safe Haven.” It’s an AAA-rated opportunity that could double your money every five years.

Then there’s a way I can tell you how to potentially build a $10-million retirement portfolio, starting with a very modest sum.

Plus I’ve uncovered one particular hard-asset play that, if historical standards hold true, could be on the verge of a 453% jump in value.

But before I get into all that, let me give you an idea how the founding of our national bank completely changed the path of our nation… And why everything that’s happened since then has been a process inevitably leading us to The Invisible Crash…

How it All Got Started…

To truly understand what’s going on with the Fed, you have to know a little bit about the founding of our national bank.

The history of the Fed actually begins hundreds of years ago, before America was even a country. It starts with the creation of The Bank of England in 1694.

At the time, England was busily expanding to all corners of the globe. They had the world’s richest people… The largest navy… The wealthiest merchants.

But as they fought wars with France and increased their Empire, England came upon a problem.

They didn’t have enough gold to finance all these expensive ventures.

So King William III came up with a radical idea. He created The Bank of England with a royal charter to become a “fund for perpetual interest.”

Essentially, it created a radical new “monopoly” bank that could create money for loans that the monarchy otherwise could not pay. Even though the money was supposed to be backed by gold, the bank could just create as many paper notes as they needed, even if there wasn’t enough gold in the vaults.

In other words, it was an unlimited cash machine. The British Empire could use it to fund wars, commerce, exploration, building projects... Whatever they wanted, really.

And that’s what they did.

For a time, this new bank was able to supercharge the British Empire to unbelievable heights.

But then something went wrong…

People lost faith in their money.

The colonists in America, for example, started to resent the fact that they had no control over the British pounds they were forced to use in trade.

So the colonists created their own currency and fought the American Revolution to free themselves from the British banking system. (Among other things, obviously.)

And, for a time, it worked great…

America Repeats England’s Mistake

Once America broke from British rule, they were free to control their own money.

They set up a gold-backed dollar and for the first 121 years ran a financially sound government. During those years, the government ran 80 surpluses and only 41 deficits – the majority of which came during times of war.

But then, in 1913, after an intense financial panic, the United States decided to repeat history and create a new national bank with monopoly power just like William III with The Bank of England.

They gave the new “independent” Federal Reserve the power to create money out of thin air.

This was the green light our political leaders were looking for. With unlimited power to create as much money as needed, they could spend whatever they wanted and never worry about having the cash.

We added department after department to the Federal government… Engaged in foreign conflicts across the globe… Promised benefits to the public that couldn’t possibly be paid for.

And sure enough, the budget exploded.

As I said, in the 121 years prior to the Fed, our government ran 80 surpluses and 41 deficits. But since 1930, we’ve run just 13 surpluses and 69 deficits.

Suddenly, we had a credit card with no limit. There was nothing to keep our leaders in check.

And America has gone crazy with spending ever since…

America Gone Wild

There’s no end to the number of things American politicians have found to spend money on.

Like in the San Jose school district, where the government spent $725,000 on an automated pizza machine. In 2 years, the machine produced a total of 2,000 pizzas for a cost of roughly $360 per pizza.

Or recently when The National Science Foundation was given $500,000 to study how stress affects shrimp. No kidding. And part of the study involved having the shrimp “run” on treadmills.

Spending on the Federal level is even worse…

In one six-year period, the Department of Defense spent $100 million on approximately 270,000 unused airline tickets. But it gets worse… These were fully refundable tickets. The government bureaucrats were just too lazy to get refunds.

And this one takes the cake…

In the Treasury’s 2003 Financial Report of the United States Government, the ledger marked $24.5 billion in “missing money.” The government was sure someone somewhere had spent it. But they had no idea when or by whom. (Imagine if you tried to tell the IRS that!)

That missing $24.5 billion would be enough to hand every resident in my hometown, Orlando, a check for $100,742 each!

The point is… America is out of control.

We’ve gotten so used to accessing free credit that we don’t even think twice about wasting billions and billions of dollars.

And now, the debt crisis is reaching a tipping point.

As I’ll show you in a moment, our debt has expanded so quickly and so recklessly, that foreign governments no longer will finance it. In fact, during the last fiscal year, nearly three-quarters of our deficit was bought up by the Federal Reserve itself.

Over the next 10 years, the projected deficit of the U.S. is $13 trillion. If the Fed continues paying for 75% of all new U.S. debt, they’d have to print nearly $10 trillion to cover the cost.

That’s enough to increase our current monetary base nearly 10-fold.

I believe it will result in an enormous Invisible Crash that will rock everything from Treasuries to savings accounts to the very cash that you hold in your wallet.

I’ll explain exactly how this could go down – including how it could help you build a $10-million portfolio – over the next few minutes.

But first, let me lay to rest something I often hear from politicians or media pundits. Some will tell you that we can get out of this mess we’ve created. All we have to do is cut back, balance the budget, and right the ship.

I can tell you that there is absolutely NO CHANCE of that happening.

As I’ll explain, it’s gotten so bad that mere spending cuts and tax increases aren’t going to make a bit of difference…

Just How Bad is America’s Debt Crisis?

In 2011, the U.S. government hit an infamous milestone.

Debt topped 100% of GDP.

That’s right… The U.S. government now owes more money than the entire economic output of our economy.

It’s now up over $16,282,374,526,835. (And counting.) By the time you’re done with this presentation, it will have increased by approximately $232 million!

But how much debt is that really?

Well, consider this…

If every small business in America sold off every asset it had and handed it over to the Federal government, it would still only pay off one-third of the debt.

If each family in America handed over all their savings to the government (the average is just $4,721per family), it would only pay down $391 billion – not even enough to cover half of one year’s deficit!

If every one of the 83 million families in America sold their houses for an average price of $125,000 and handed the proceeds over to the government, it still wouldn’t pay off the debt.

It’s an impossible situation.

I think you can agree, we can’t solve that kind of debt problem with a few cuts in discretionary or defense spending, as the current politicians like to suggest.

And raising taxes won’t do it, either.

The fact is, even if the IRS taxed millionaires at 100%, (assuming they would work for free) the take would be just $616 billion. That’s only a third of 1 year’s deficit.

Even Bill Clinton agrees, saying “you could tax me at a 100% and you wouldn’t balance the budget.”

And President Obama’s so-called “Buffet Rule” – the one that Obama says will “stabilize our debt and deficits for the next decade” – only brings in an extra $5 billion in revenue according to Obama’s own Treasury numbers.

The fact of the matter is, even if we got serious about the budget, cut spending to the bone, and somehow managed to produce a surplus of $100 million per day… It would take until the year 2461 before it was paid off!

Obviously, this is a systemic crisis of epic proportions.

And the worst part is… I haven’t even touched on the most toxic part of the budget yet…

The Entitlement Nightmare

The real drivers of spending in Washington are without question our entitlement programs.

Fraud in Medicare

One of the biggest reasons for Medicare’s massive cost increases is rampant fraud.

For example, in South Florida, a couple of psychiatrists were recently convicted of a massive mental health care racket. Just the two of them were able to bilk $205 million out of the taxpayer funded Medicare system.

The problem is that Medicare has almost no accountability. You can submit almost anything and it will get paid.

In fact, an MSNBC report on Medicare fraud found “billions in questionable claims.” Claims that were paid out included diagnoses listed as “?” “zzzzz” and “☺.”

Obviously, there are major problems with our entitlement systems. And they are by far the biggest drivers of spending in Washington.

According to Sen. Kay Bailey Hutchinson, Social Security and Medicare “account for nearly half of all Federal spending.” Adding that they are “speeding toward a financial collapse.”

I should say so…

Usdebtclock.org, an organization dedicated to providing true statistics on the government debt problem, gives us the shocking truth.

According to their calculations, total unfunded liabilities in the U.S. – including Social Security, Medicare, and prescription drugs – actually come out to $115 trillion!

That’s $1,028,397 dollars per citizen!

Considering the average citizen has less than $5,000 in savings, I’d venture to say that getting each citizen to pony up over $1 million is not likely to happen.

So how are we planning to cover all these expenses and keep the music playing?

Foreign Governments Don’t
Want Any More U.S. Debt!

In the past, we financed all our reckless spending with foreign money. But unfortunately, that gamble is already starting to lose…

Since 2009, the amount of U.S. treasuries purchased by foreign governments has dropped a stunning 68%.

It’s the reason the Fed had to buy nearly three-quarters of all new U.S. debt last year.

Foreign governments see how much debt we’re piling up… They see the Fed’s crazy policies… And they know that the dollar’s time on top can only last so long.

Which is why they’re desperately trying to break free from the dollar.

China and Japan, for instance, in early 2012, agreed to start trading directly in their own currencies for the first time.

By getting the U.S. middle man out of the picture, both countries can “move away from using dollars,” according to a New York Times report.

And in a meeting between Russian President Vladimir Putin and Chinese Premier Wen Jiabao in St. Petersburg, both parties agreed to renounce the dollar.

“We have decided to use our own currencies,” said Putin.

In June, China inked a deal with Brazil that allows their central banks to trade outside the U.S. dollar. They recently made others with Turkey and United Arab Emirates.

Even Australia, a close U.S. ally, agreed to trade with them without using dollars.

This is a very scary development for the U.S. for a couple reasons…

First, if all these governments don’t trade dollars, then they have no reason to hold massive reserves. That means literally trillions of dollars could come pouring right back into the U.S., sending prices soaring all across the country.

But secondly, these countries now will have far fewer dollars to lend back to us. We won’t be able to get trillions of dollars to cover our deficits – at least not at the 1% rates we’re currently willing to pay out.

Instead, lenders will demand a much higher rate of interest. And that could doom our economy.

Right now, we pay about $450 billion per year in interest on the debt – that’s more than we spend on The Departments of Commerce, Education, Energy, HUD, Interior, Labor, and Transportation... Combined.

But if interest rates were to go up to, say, just 10%… (we won’t even discuss what would happen if they went to 20% like they did in the 80s), we’d be looking at yearly debt payments of $2.1 trillion and climbing by 2014 – enough to double our entire debt to $32 trillion in just five years.

Obviously, that’s the big gamble that we’re taking as a country right now.

So how do we continue running up trillion-dollar deficits year after year without anyone lending us new money?

Former Fed Chairman Alan Greenspan sums it up best…

“We Cannot Default, We Can Just
Keep Printing Money.” – Alan Greenspan

After the S&P downgrade last year, Alan Greenspan went on NBC’s Meet the Press and gave us a very candid statement about the possibility of a default on the U.S. debt.

“The United States can pay any debt it has because we can always print money to do that. So there is zero probability of default,” he said.

And that’s exactly what’s happening.

According to an article in Forbes, after the financial crisis we saw 39 consecutive months of “double-digit year-over-year rates of monetary inflation.”

With the world less and less likely to continue funding our wild spending, the U.S. has essentially decided to simply print our way out of the problem.

In their latest announcement, the Fed said they will keep interest rates near zero “through at least mid-2015.”

In addition, the Fed will begin pumping $40 billion into the economy each month with no end in sight. Worse yet, if  “the labor market doesn’t improve substantially,” they’ve agreed to ramp it up even more.

Basically, they’ve approved doing QE to infinity… An endless amount of money printing to prop up the economy.

Of course, the markets cheered the news. They love it when the Fed pumps money into the economy because so much of it goes right into the stock market.

But the average guy off the street isn’t so happy. Because he knows this is an unending assault on his wealth.

Meanwhile, the Fed claims that prices aren’t rising because “core inflation” isn’t going up that fast. But core inflation doesn’t include food or energy, the bulk of what Americans need every day to live.

And if prices weren’t rising, we wouldn’t have seen records set in everything from gold to corn to cotton or even orange juice.

That’s the nature of The Invisible Crash. The more the Fed pumps money into the economy, the more we’ll likely see prices of food, clothing, gas, electric bills, etc. rise to never-before-seen levels in this country.

And it’s not likely to slow down. In fact, as I’ve pointed out, it’s already happening and likely to speed up.

Economist Nouriel Roubini, a senior advisor to Treasury Secretary Timothy Geithner, admitted that this was a strong possibility in a recent interview with The Wall Street Journal.

Roubini predicted that there will be an announcement of more quantitative easing.

And he says the Fed won’t stop there…

“We’ll have QE3… Maybe QE4… Maybe QE5.”

Just imagine what we’re looking at right now…
  • Seven or More Straight Years of 0% Interest Rates…
  • An Indefinite Money-Printing Program Every Month…
  • Foreign Governments Turning Their Backs on Buying U.S. Debt…
  • Trillions of Dollars Flowing Back in to the Country as Trade Turns
Away From the U.S. Dollar…

All of this will be severely damaging to the average American. The value of your checking and savings accounts… Treasuries… bonds… stocks… paychecks… money market accounts… virtually everything denominated in dollars will lose significant value.

That’s what will make this situation so hard for a lot of Americans.

With prices rising at these rates, it won’t be enough to simply save your money because that money will constantly be losing value. Anyone who wants a decent retirement will have to actively increase their wealth at many times current rates to keep up.

That’s just the nature of The Invisible Crash.

However, if you prepare for this situation early, you could actually do extremely well for yourself.

Here’s how…

How You Could Double Your Money
Every 2.5 Years Thanks to The Invisible Crash

First some good news…

This process is not going to happen overnight.

Most doomsdayers will tell you the whole system is going to collapse tomorrow.

But if that were the case, you shouldn’t be investing at all. You ought to be buying food and water, learning how to hunt, building a shelter, and hunkering down for the coming catastrophe.

That’s not what our evidence suggests.

Rather, this Invisible Crash will be a long-term event that will erode your money at a quickening pace year after year.

Essentially, it will just be a much faster version of what’s been quietly going on for the past 100 years.

This chart of decline of the value of the dollar during the 20th century really says it all:


The Invisible Crash is a turbo-charged version of the massive dollar decline we’ve seen since the Federal Reserve was established back in 1913.

So what can you do to take advantage of this situation when The Invisible Crash hits full speed ahead?

Well, there’s a series of very simple financial moves you can make to come out far ahead during this phenomenon.

I believe that if you follow these three steps, you could easily double your entire portfolio every 2.5 years going forward… And you’ll soon be on the path to lasting, real wealth.

It’s going to be extremely important that your investments perform this well in the future. Right now, most financial planners would have you believe that $1 or $2 million is going to be enough for your retirement, but with rapidly rising prices you may find those amounts to be woefully inadequate by the time you get there.

It’s likely that very soon most of us used to a middle class or better lifestyle will need $10 million or more just to get by in retirement. This is no exaggeration, when you consider how much our purchasing power has lost already, and is declining even faster.

So here are the specific steps I believe you should take...

STEP #1: MOVE MONEY OUT OF TREASURIES, MONEY MARKET ACCOUNTS, CASH, OR ANY OTHER LOW RETURN “SAFE” INVESTMENT… AND GET INTO THIS INSTEAD.

Most people consider Treasuries, money market accounts, cash, etc. to be very safe investments.

But nothing could be further from the truth.

If The Invisible Crash hits with full force, and foreign governments start refusing to buy U.S. debt, logically, interest rates would have to rise to attract new lenders.

The result could easily be a massive collapse in the value of these low-yield investments.

As Warren Buffett wrote in his annual letter to shareholders, "Right now bonds should come with a warning label."

And Alexander Green, probably the investment guru I trust most, recently told me “it’s not just unlikely that investment-grade bonds will generate high returns over the next few years. It’s mathematically impossible.”

Consider… bonds go up in value when interest rates drop. And they collapse in value when interest rates rise.

And at the moment, it is basically impossible for interest rates to go anywhere but up.

For example, 30-year bonds right now yield just 2.5%.

So, if you lock yourself in at that rate, your best-case scenario is getting 2.5% for the next 30 years.

If interest rates grew to just 7% or 8%, or even 20% as it did in the 1980s, these bonds will completely collapse in value.

If you’re investing in these or other low-return “safe” plays, I’ve got news for you… You will absolutely run out of money early on in your retirement.

However, if you’re looking for pure safety, there is an alternative…

For starters, these are extremely safe investment opportunities, with many holding the same AAA-rating as U.S. treasuries. They have a historical win rate of over 91%. And they can build wealth faster than traditional stocks, bonds, Treasuries, mutual funds, or anything else, really.

The great thing about what I call the “real safe haven” is not just that they offer many times what a savings account or 2-year CD offers, but that they actually increase their payouts every single year.

For example, one of these we just recommended already yields 7.3%. In 1 year, it's expected to yield 8.3%. After 3 years, 11.2%. And 5 years from now, it's likely to pay at least 15.8%.

Imagine if you could buy a regular Treasury right now that did that.

Why get locked in to a 2% rate for 10 years when you could be getting 16%?

At 2%, you double your money every 35 years. At 16%, it takes you less than 5.

If you could double your retirement account every 5 years in an AAA-rated investment opportunity, wouldn’t you do it?

The other great thing about this safe haven is that you can continue receiving these double-digit yields for as long as you like. There is no maturity date. And they’re likely to continue increasing the payouts for many years to come.

Also, because their payouts increase year after year, they won’t collapse in value when interest rates rise. In fact, the payouts could increase even more.

And most of these increase the size of their payouts for 25 straight years or more.

If you’re looking for a safe haven… A set of AAA investments that pay big… And a way to fund your retirement and double your money every few years (which you’re going to need to do during The Invisible Crash), this is it.

I’d like to send you all the details in The Oxford Club’s special report: How to Double Your Money Every Five Years in a True AAA-Rated Safe Haven.

Ok, that’s step one. That’s your safety net.

Now for step two.

STEP #2: AN OPPORTUNITY TO COLLECT UP TO 453% ON MODERN SOCIETY’S MOST ESSENTIAL ASSET

Consider… Since January of 2000, the S&P 500 decreased by nearly 6%. So over 13 years, stocks actually lost you money. (And that’s in dollar value. In terms of gold, stocks have lost a whopping 84%!)

But over those same 13 years, real hard assets have gone on an enormous run. Uranium for example has been up as much as 1,829%.

Oil… Up 1,400%.

Gasoline… 1,000%.

Nickel and Silver… 960% and 900%.

Cotton… 557%.

Rice… 545%.

Out of the 32 top highs for commodities over the past 13 years, only two failed to double in value. The average high was a gain of 629%. And none performed worse than the S&P 500.

Why have commodities gone on such an incredible run?

The world’s most famous billionaire commodity investor sums it up best:

“It depends on the supply and demand. And we have had a dearth of supply. Nobody has invested in productive capacity for 25 or 30 years now. The inventories of food are the lowest they have been in 50 years and you have a shortage of farmers…

“As for metals, nobody can get a loan to open a mine... Who is going to give you money to open a zinc mine? It takes at least 10 years to open a mine so it's going to be 15 or 20 years before we see new mines come on…

“As for oil, the International Energy Agency came out recently with a study showing that oil reserves worldwide were declining at the rate of 6% or 7% a year…

I would rather be in commodities because it's the only thing I know where the fundamentals are improving. Commodities are going to be the best place to be in my view.


If you’re going to have enough in retirement to survive The Invisible Crash, you will need to own a good portion of real, hard assets.

Of course that means some gold, silver, oil, etc. You should have those in your portfolio.

But there is one resource that I believe is an absolute MUST BUY right now.

First of all, this commodity is far more useful than gold or silver. It’s estimated that one-fifth of everything we use includes this material or requires it to be manufactured.

For instance, without this substance, oil refineries couldn’t make gasoline.

Without it, computer hard drives could not store hundreds of gigabytes of data.

Without it, combustion engines in automobiles would not run.

Without it, we would not have fuel cells for electric cars.

This substance’s importance cannot be overstated.

And on top of that, it’s far more rare than gold. The total world supply of this commodity would fit in the average American living room!

But despite its incredible uses and extreme scarcity, right now is easily the best buying opportunity of the past two decades.

The last time it was this cheap relative to gold, it promptly went on a 453% run.

Already, a few analysts are starting to pick up on this. “This [resource] hasn’t been so cheap in 20 years” says one. Another called it “a rare opportunity cheaper than gold.”

Obviously, this is a time-sensitive situation that could really increase your wealth quickly over the next few years.

And I’ve written up a special report that gives you all the details, called: “How to Collect 453% on Modern Society’s Essential Asset.”

On top of that, I’ve also put together a special report on specifically which commodities I expect to be the biggest winners in the months ahead. I’d like to send you that report as well. It’s called: “Triple Your Money in Commodities Thanks to The Invisible Crash.”

I’ll send you these reports as well as the one on the true safe haven that I mentioned earlier.

But it’s the third and final step that stands to be the big moneymaker for you.

This is what you’re going to absolutely need if you expect to live off of your investments during your retirement.

STEP #3: HOW YOU COULD DOUBLE YOUR MONEY EVERY 2.5 YEARS USING THE $10-MILLION RETIREMENT PLAN

Now, I know this sounds crazy, but if you’re going to truly make it during The Invisible Crash, in my opinion you’re going to need stocks to get there.

People forget that when the Fed pumps billions of dollars into the economy, a ton of it goes right into the stock market. That’s why stocks are up so much since the financial crisis.

But as I showed you earlier, it’s not going to cut it to simply keep up with the market.

Even if inflation starts rising at just 10% or 15% per year (a conservative estimate considering how much money the Fed is pouring into the economy), you’ll need to to bring in at least 20% returns to keep increasing the real value of your wealth.

That’s not going to be easy, especially without some help.

Fortunately, there are many individual stocks that are actually increasing in real value.

The obvious example is one like Apple.

Since its bottom in November 2008, Apple has risen 258% even when priced in gold. In 2008, 10 shares of Apple were worth 1.12 ounces of gold. Today, they would be worth 4.01 ounces.

In other words, the increase in Apple’s stock was real. It wasn’t created by the Fed printing money, but rather by a good company producing a valuable product.

And there are a select number of companies just like Apple that are truly creating value.

That’s what you have to look for in a situation like this. When the government is screwing with the economy… Creating onerous regulations on businesses… Creating uncertainty on taxes… Trying stimulus and money-pumping to jumpstart the economy…

When the government is doing that stuff, you can’t sit back and wait for them to fix things… Because frankly, they won’t.

What you have to do is look for those companies that are so successful, the government just can’t stop them from making money. I’m talking about companies that increase revenues year after year… develop breakthrough products… Pick up new market share… Increase their dividend payouts… And on and on.

It’s this approach that has handed Oxford Club members such unprecedented returns.

Since 1991, we’ve averaged a 16% return per year on our members’ portfolio. If you had been a Member back then, and invested $100,000 in our recommendations, you could be sitting on $2.26 million today.

Compare that with the returns of the traditional market. At 7% a year, you’d have just $414,000. If you locked yourself into 3% Treasuries, you’d be looking at $186,000.

And lately, with the Fed’s money pouring money into certain sectors of the stock market, we’ve been doing even better.

Consider the open positions in our Oxford Trading Portfolio, our research portfolio that gives our members each of our current recommendations. In dollar terms, every single one is up significantly, most in double or triple digits.

Here’s a screenshot of all our current recommendations and their performance. (Of course, I’ve blacked out the ticker symbols. It would be unfair to our paying members if I simply gave them away.)


As you can see, our current recommendations are up a total average of 50.9%, with an average holding time of 605 days. Annually, that’s an approximate return of 30.8% per year. In other words, so far this year we’ve outperformed the return of the Dow (12% annual returns) and we’ve also done so over the last three years.

At that pace, you’d stand to double your portfolio every 2.5 years.

Our average gains for 2010 and 2011 have an average of 22%, outperforming the Dow by 10 whopping percentage points, at that rate you could double your portfolio every 3.5 years.

Even in 2008, as the markets crashed, our closed positions averaged a positive 28% gain.

If we kept producing these kinds of gains, $100,000 could grow into as much as $1.47 million in 10 years. And in 17 years, you could have over $10 million.

And that’s without ever adding to your portfolio again. If you were to make yearly increases in your savings, you would get there even faster.

Of course, I know that might not be as fast as you’d hoped to get to $10 million, but I’m not going to promise you what we historically can’t deliver. We can’t promise future gains but as I’ve shown you, our track record speaks for itself.

And I can’t imagine that having an eight-figure net worth just a few years from now would be anything to sniff at.

I believe our system allows the safest and fastest real way to turn a small retirement fund into a truly wealthy retirement nest egg.

I’ll send you everything you need to know to get started with this $10-million retirement plan we call our “Pillars of Wealth System,” along with all the special reports I mentioned above.

In it, you’ll learn all about our asset allocation model… how to minimize risk and maximize returns… How to reduce your tax payments… what kind of stocks to buy and when…

I think you’ll be extremely pleased because our track record shows our success through just about every market imaginable.

We’ve done this well in comparison to the broad markets by recommending stocks that increase in real value, not just because of Fed-induced stock price inflation.

And our performance really stands out when you look at how our stocks have done when priced in gold. Our model portfolio is loaded with stocks that have increased in real value. Like…
  • BBT… Up 75% in gold ounces in 416 days
  • COV… Up 22% in gold ounces in 354 days
  • PAA… Up 37% in gold ounces in 353 days
  • TDC… Up 35% in gold ounces in 325 days
  • CERN… Up 25% in gold ounces in 293 days
  • TM… Up 10% in gold ounces in 263 days
Remember, these gains are priced in gold ounces. In dollars terms, these stocks are up even higher. But it’s important to see which stocks can actually buy you more physical goods once you sell them.

That’s how you know that you’ve chosen good opportunities, and that your standard of living is increasing.

And I have to say, I’m very proud to be part of an organization that has performed so well.

And yet it surprises me that sometimes people are reluctant to give us a try.

Most people are skeptical that we really can help them beat the markets year after year.

However, there are two actual ways to tell which investment research letters really are as good as they say they are.

#1: A Top 5 Independent Ranking
for 10-Year Performance

First, there’s the independent Hulbert Financial Digest. Gary Hulbert created this service for the exact purpose of ranking the various newsletters across the country.

And The Oxford Club’s Communiqué just made Hulbert’s Honor Roll for being top 5 in performance not over 1 year… not 2 years… not 5 years… But over a full decade.

According to his own analysis, we’ve beaten the Wilshire 5000 Index by a 30-to-1 margin over that period.

As I said before, we’ve averaged a yearly return of 16% since 1991, and even better in recent years, so it’s not hard to see why we’re ranked so highly.

The second way to know if an organization really has the “right stuff” is to see what actual members have to say.

#2: What Oxford Club Members Have
to Say About Our Performance…

Since the 2008 financial crash, we’ve helped thousands of our members make far more money than the cost of living has risen...

Joseph Marigold from Ohio wrote recently to say: “I am up Hundreds of Thousands of dollars since the market crashed.”

Mary Pinter, from San Francisco, also contacted us regarding a recent recommendation. She says she’s “made 50% so far this year. I have tripled in the last 2 years.”

And we got this amusing note from Member Martin Bailey, who’s been with us since 1997, after he accidentally cancelled his Membership, “I was a bit panicked at losing contact. Oxford has made me a couple mil over the years. My next move was to just purchase a new membership.”

The Oxford Club has been around for so long that some of our members are even legacies at this point. Like Jennifer Malone of New York. She told us all about her experience with The Oxford Club:

“I was talking to my Dad about it and he suggested I become an Oxford Club Member. He said he was using Oxford to manage his money, post retirement, and had done very well.

“So in early 2004 I sent in my dues and started reading the issues each month.

“The analysis and advice was always complete, yet easy to understand. Some of my most successful Oxford picks:
  • Fording Canadian Coal – 151%
  • Aluminum Corp of China – 150%
  • Celgene – 122%
  • Chesapeake Energy – 114%
  • ABB Limited – 97%
  • Boston Properties – 64%
  • Tidewater – 61%
  • BHP - 59%
“I shudder to think where my finances would be were it not for the well-researched information from Oxford.”

Nothing pleases us more than seeing these comments from our members. These are certainly trying times. And we know that it’s never been harder to save and provide for your future than it is now.

So how can you receive all of our special reports for seeing gains during The Invisible Crash?

I’ll hand it over to Julia Guth, The Executive Director of The Oxford Club to give you the final details…

Welcome to The Oxford Club

Julia Guth, Executive Director of The Oxford Club:

I’ve been the Executive Director of The Oxford Club since 1985. I’ve been around for the 87 market crash… The Persian Gulf War…The rise and fall of the Dot-Com Bubble… The 9/11 attacks… And of course, the Financial Crisis of 2008.

But I have to tell you, we have never been more concerned that our family, friends, co-workers and members act to protect themselves when The Invisible Crash strikes.

That’s why we worked urgently together to send you this presentation today. And why I’d like to send you our full Invisible Crash Survive and Prosper Kit right now.

Simply let me know you want to try out The Oxford Club and I will immediately send you everything that comes along with our Survival Kit, including…

Research Report #1: “How to Double Your Money Every Five Years in a True AAA-Rated Safe Haven.”

Research Report #2: “How to Collect 453% on Modern Society’s Essential Asset.”

Research Report #3: “How to Triple Your Money in Commodities Thanks to The Invisible Crash.”

As well as our “Pillars of Wealth System”: This will show you exactly how to implement our $10-million retirement plan, starting now.

Having access to these strategies will put you on the path to quickly and safely building a $10-million retirement portfolio. You’ll have access to AAA-rated safe haven investment opportunities that could double your money every 5 years. You’ll have access to real hard assets that could easily climb 453% or more in the next few years.

But most important is what you’ll get with your membership…

First, you’ll have access to some of the greatest investment minds and specialists in the world. Experienced, well-connected experts who can open doors for you in ways you never thought possible… from setting up a rare earth portfolio online, to accessing non-U.S. banking and management services at lower minimums, to knowing which collectibles to buy for long-term appreciation, to following company insiders, to vip concierge travel experiences, to having access to clubhouses around the world.

That means that you have some of the best and brightest helping you along the way.

Undoubtedly, the visionary behind The Oxford Club’s remarkable success is best-selling author and award-winning Investment Director, Alexander Green.

Alex’s fingerprints can be found all over The Oxford Club’s recommendations. He follows one simple rule.

“No matter how bad things are in the economy… No matter how inept our politicians are… No matter what crazy moves the Fed makes… You can always make money in the markets by buying those companies that produce great products, increase revenues, bring in new customers, and enjoy growth in share price above and beyond the rest of the market.”

Alex’s strategy is the reason we’ve been able to easily outpace the markets over the years. By focusing on companies that add real value to the economy, our portfolio has grown even when priced in gold or other tangible assets.

But Alex couldn’t do it without the help of our top editors. There’s…

Associate Investment Director Marc Lichtenfeld, the expert behind our AAA-rated safe haven. Marc’s focus is helping retirees find safe alternative ways to bring in high income on even modest retirement portfolios.
Energy and Infrastructure Specialist Dave Fessler, our resident expert on world commodity markets. Dave focuses on how the world’s dwindling supplies and growing demand for resources are sending hard asset prices through the roof.
International Trading Expert Carl Delfeld, whose goal is to uncover opportunities outside the dollar. He knows that as more world governments fight to remove dollars from their trade, the opportunities to see gains outside the U.S. stand to grow exponentially.
Income Expert Steve MacDonald. Steve focuses on a way to receive very safe locked-in returns with investment opportunities totally outside the stock market. He has a near-perfect win rate of 98%.

But that’s just the tip of the iceberg…

Our members include hedge fund managers… Ph.D. professors… CEOs of major corporations… Founders of publishing companies… Experts in global mining projects… British lords… And more.

We rely on our immense network of contacts to ensure that our members keep beating the markets year after year.

And the benefits you’ll receive from their guidance are endless. You’ll get access to:
  • The Oxford Trading Portfolio: This is our flagship recommended portfolio. Currently, we hold 20 stocks in it, 19 of which are seeing gains… with a current average gain of 50%. If you’re looking to double your retirement every 2.5 years, this is the way to do it.
  • The Gone Fishin’ Portfolio: Designed for the reader who just wants to put his investments on autopilot. This recommended portfolio takes just 20 minutes to manage per year. And yet, each component is up an average of 131% since inception.
  • The Perpetual Income Portfolio: For our members who are already in retirement, this recommended portfolio offers a way to receive up to 8 checks per month from a set of very safe high-yielding investment opportunities. But that’s just the beginning. These opportunities also tend to grow very fast. Out of 21 holdings, 20 are positive, with a lone loss of –1.6%.
  • The Oxford All-Star Portfolio: This one is based around those men we consider the very best stock pickers in the world. You know who they are. It should come as no surprise that some of our top gains in this recommended portfolio include 208%… 183%… and 288%.
Along with these portfolios and their impressive track records you’ll get access to all our premier member benefits.

You’ll be kept up to date on everything going on with our investment recommendations. You’ll start with our Welcome and the Survive and Prosper Kit, which will give you a crash course to our proven wealth-building system.

You’ll receive my weekly online Sunday broadcast, The Oxford Insight, and hear from our editors in face-to-face interviews in our Market Wake-Up Call. You’ll get our Oxford Portfolio Updates, informing you if anything big is happening in a particular holding.

In short, you’ll receive all the guidance you need to get on the path to a $10-million retirement, while enjoying the camaraderie of a group of like-minded individuals. (All the member benefits are listed in detail on the attached link at the bottom. You can click it and then review everything before deciding what action to take.)

Every month, we’ll send you your copy of The Oxford Club Communiqué. Each issue will give you straightforward strategies to implement so you can continue doubling your money every couple of years. Some investment opportunities may be unusual or different than what you’ve tried in the past. But each move will be simple to follow and easy to understand.

We have found some great ways to make a fortune as the Fed continues pumping billions into the economy. And as world markets begin to trade outside the dollar.

Your only job should be to sit back and enjoy your life… Not worry about all the things our crazy government leaders are doing.

So how much does Oxford Club membership cost... and how can you get started?

Well, a one-year subscription, including everything I mentioned here, normally costs $149 per year – that's what many others have paid.

But right now, because I want as many people to prepare for this situation as possible, we’re bringing membership dues way down.

For the next few days, you can become an Oxford Club Member for a fraction of the normal rate. You'll pay just $79 for an entire year.

Seriously. That’s 22 cents a day.

Why so cheap?

Well, to be honest, The Oxford Club only works if our members stick with us for the long term. As you’ll see, our Club is based on sharing ideas, opportunities, and investment opportunities with each other.

As an organization, we’re only as good as our members. That’s why we want smart and intelligent people who “get it” to join us. But we realize you've got to try us out first, to see if it's right for you.

And that's why, through this letter, we're making it so cheap, and essentially risk-free to try. We want to expand our membership in 2013, and make more people aware of The Invisible Crash, and how to get prepared for it.

So I’m perfectly happy to extend to you three months to take a look at who we are and for you to try our approach to long lasting wealth. I’m confident you’ll see immediate results.

You’ll have a great opportunity to get well prepared for The Invisible Crash. And you’ll get the steps you need to get on the road to a $10-million retirement. If you decide for any reason that membership in The Oxford Club is not right for you, just let us know any time during those three months and receive a full refund... and keep everything you've received so far.

In other words, by taking me up on this offer, you are agreeing only to TRY the Club and get our Invisible Crash Survive and Prosper Kit, free.

To be quite frank, it would be foolish for you not to give us a chance. If membership ends up not being right for you, you’ll get all your money back. Plus, you’ll keep the Kit and all your research reports that I’ve mentioned in this piece.

Any way you look at it, you come out ahead.

I’ve agreed to this no-risk membership campaign because, as I stated earlier, I have never been more concerned that my family, friends, co-workers and our members act to protect themselves when The Invisible Crash strikes.

I hope you’ll consider this offer very seriously. I’m certain it will be one of the best financial moves you ever make.

To get started, simply click on the link below, which will take you to a secure order form. There, you can review every one of the benefits Oxford Club Membership has to offer. And when you’re ready, go ahead and begin your trial membership. You'll have access to everything we’ve promised in a matter of minutes.

Sincerely,

Julia Guth
Executive Director/Publisher
The Oxford Club


P.S. With the Fed pumping $40 billion into the economy every month… And holding interest rates at 0% until 2015… It’s imperative that you begin preparing for The Invisible Crash before it hits full force.

We’ve helped our members through crises before with a detailed portfolio that not only gave them an opportunity to survive, but prosper. We’re doing it again now, when it’s most important. Simply go here to receive your risk-free access to our brand-new Invisible Crash Survive and Prosper Kit showing you exactly what new steps you need to take now to get positioned for real financial independence in your retirement.

P.P.S. When you agree to try The Oxford Club right now, we’ll send new Premier Members an additional report from portfolio-building expert, Dr. Scott Brown. In it, Dr. Brown explains the 7 crucial steps to creating a million-dollar portfolio, even if you’re starting with nothing. It’s called “How to Build a Million-Dollar Portfolio… From Scratch.” Just click the button above to look everything over and decide if you’d like to receive it right away.