Retiring rich, faster and healthier depends on how you manage your mortgage and 401(k) or IRA
Marla Guthrie
Jun. 21, 2007

Managing your mortgage is important. You want to have a debt free home as soon as possible. That creates less worry, better health and real retirement wealth.

It is equally important to learn to manage your retirement funds. Start a Roth IRA as soon as possible if you qualify. It is essential that you learn to invest yourself. The typical advisors will generate a ten to fifteen percent return with a 50% risk factor. That is not going to make you retire rich and faster. You must learn to trade commodities. The days of stock market is over. It will slowly stagnate and take you nowhere over the next twenty years. Ask someone what happened to his or her portfolio between 1970 and 1980. The stock market will do the same for the next twenty years. How will you feel if you make 5% one year and lose 5% the next for twenty years?

It is time for commodities. It is time to take your retirement fund to the commodity futures market. Most 401(k) plans will not allow that. Take a loan from your 401(k) get into futures market and make that 100% a year pay the loan back into your 401(k). Take your Roth and regular IRA to the futures market and act like an arbitrageur.

Remember, investing in futures market is risky. Never trade unless you read several books, self prepare and get emotionally ready. Good traders and investors in futures market make millions. They will not tell you their secrets. Good futures arbitrageur will not have time to guide your funds. On an average a commodity-trading advisor (CTA) will generate 10 to 30% return. Remember they can also lose a lot.

The tricks is to make sure you never allow your portfolio to risk more than 20% of your capital. If your portfolio has $10,000, do not put yourself into a position where you can lose more than $2,000. Remember, 90% time markets are flat. Buy futures and write deep in the money call options with protective distant puts. Bring time on your side. Most people lose money in commodity futures market because they try to gamble on short-term trades. Do position trade and avoid short-term trade. Calculate how much you can win and lose in every trade. Have a strong conviction. Remember markets behave like pendulum. Try to buy when every one hates it. Try to sell it when every one thinks it will go through the roof.

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