The primary goals of anyone who buys stocks should be the same: to predictably generate wealth and beat the market in the process. But the latter is easier said than done, considering the S&P 500's historical annual returns of roughly 10%. Yet by focusing on relatively small, unknown companies, the Motley Fool Hidden Gems newsletter has consistently done just that. Since its inception in 2004, Hidden Gems' stocks have climbed 59%, on average, helping subscribers beat the market by more than 6% in the process. (Returns are as of April 20, 2017.)
But as much fun as that can be, life isn't all about just picking great stocks. That's why the Motley Fool Rule Your Retirement newsletter has served as a guiding light for investors as they work to accumulate a nest egg and manage their finances through a crucial time in their lives.
Let's take a closer look, then, at what sets these two investing newsletters apart, and how can you benefit from them.
How Hidden Gems finds diamonds in the rough
Hidden Gems is led by co-advisors and longtime Fools Seth Jayson and Andy Cross. Andy and Seth are supported by their own talented team, including senior analyst Michael Olsen, analyst Stan Huber, analyst Andrew Fredrickson, and analyst Abi Malin.
Together, they specialize in finding and recommending undervalued small-cap companies -- or those roughly defined as businesses with a market capitalization of less than $2 billion -- which they believe enjoy the potential to generate significant capital gains with a reasonable amount of risk for investors.
Perhaps just as important, Hidden Gems also looks at prospective recommendations with a long-term view, aiming to hold stocks for at least three years. Ideally, however, the team wants to identify publicly traded companies it can buy and hold forever.
Regarding that "reasonable amount of risk," Hidden Gems subscribers should also be aware that shares of these smaller companies tend to be more volatile than their larger peers. But keeping in mind that volatility isn't always merited -- say, for example, when the market overreacts to a single disappointing quarterly report -- the Hidden Gems team is keenly aware that these movements can create opportunities for patient, long-term investors to buy these stocks at attractive prices.
At the same time, Hidden Gems also believes its members should practice regular investing to help diversify and smooth out these inevitable bumps in the road. That means putting money to work at least once per month to buy one or two stocks that appeal to you, and over the long term building a strong portfolio of at least 20 stocks Hidden Gems recommends. To that end, Hidden Gems maintains a list of "Core" portfolio stocks, offers monthly "Best Buys Now," and presents two new recommendations each month, with regular updates on each recommended stock in real time.
How Rule Your Retirement helps you navigate your golden years
By comparison, Rule Your Retirement isn't explicitly a stock-picking service. Though as I noted earlier, life -- and more specifically your journey toward retirement, in this case -- is about much more than just finding, buying, and holding great investments. So through the leadership of advisor and Certified Financial Planner Robert Brokamp, Rule Your Retirement's focus is to both educate and provide actionable guidance on topics such as building a balanced portfolio, calculating savings rates, planning for insurance, handling your taxes, and managing your estate.
Robert, for his part, has worked as a full-time Fool since 1999 and has contributed to publications including Better Investing and Newsweek. He also wrote The Motley Fool's Guide to Paying for School, co-authored The Motley Fool Personal Finance Workbook, and contributed to both The Motley Fool's Money After 40 and The Motley Fool's Guide to Couples and Cash.
But the massive trove of information included with Rule Your Retirement could easily be overwhelming for new members who join today. So Rule Your Retirement subscribers receive weekly and monthly email digests to present the latest content. And to help you navigate all that useful content later, the Rule Your Retirement site is neatly organized by topic including:
- Everyday Finances
- Estate Planning
- How to Retire
- Property and Mortgages
- Paying for College
- Health and Wellness
In addition, Rule Your Retirement gives you access to a thriving community where you can interact with other members in any of 16 discussion boards devoted to every aspect of retirement planning. Put simply, if you need guidance or have questions on anything regarding your current or impending retirement, Rule Your Retirement is an ideal service for you.
It's your lucky day!
Whether you're looking for the world's best financial-planning and investment guidance from Motley Fool Rule Your Retirement or want to join our search for the most promising small-cap stocks through Hidden Gems, both services offer compelling ways for anyone to vastly improve their financial well-being.
Best of all, you can sign up for either newsletter -- or both -- at a special introductory rate right now. Rather than paying the usual price, click here to pay a significant discount to list price for Motley Fool Hidden Gems. Or you can click here to pay a significant discount to list price for Motley Fool Rule Your Retirement. Either way, it could mark the beginning of your journey toward life-changing wealth and financial security.
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