The best pension insurance - what is the best annuity insurance - the best pension
The best pension insurance is the eternal investment in stocks of large and old companies and banks, which does not harm competition and in the long term increase dividends, earnings, sales, book values and cash flow, the best 10% per annum. You must buy the stocks cheap ù the ratios P/E, P/B, P/S and P/C must be in certain limits. These stocks from the United States, Great Britain, France and Spain are all in the indices: Dow Jones, EuroStoxx50 and STOXX 50. You must distribute the money regularly on 10 to 20 different stocks and buy them constantly throughout your life until the retirement. You avoid the companies, which the competition hurts such as Nokia or General Motors, them threatens bankruptcy. If you have then enough dividends, you can go in pension early and live only from dividends. Have you enough other income as a pensioner than dividends, can you sell the stocks at each overvaluation and buy them after a crash three years later cheap again. But if you need the dividends constantly, leave the expensive stocks in a crash quiet fall on half up to one-third, no matter how deep, because they will be six years later back again on the top. The pension from dividends is the best, because it rises annually and the widow and children will inherit it. The dividends of some companies increase 10% annually. If it will go so always, you will have a doubling of income every 8 years and in the 38th year the children will get so high dividends, as 100% of today's value of the investment, if the dividend yield today is 3% net of the stock price. The best pension insurance and the optimal valuation of stocks is described in this book.
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