The carnage of the past two years in the stock market is giving investors a clear warning; learn a new way of doing things or get ready for more of the same. The money clock never stops ticking and the longer you wait to make the necessary changes to stop the bleeding in your accounts the less you’ll have when you retire. Every day you put this off increases the chance of being broke in retirement.

This is the most important money decision you will ever make.

The losses the Baby Boomers have racked up in the stock market all but guarantee they will have to work well past their retirement age or survive on Social Security which puts them below the poverty level, for life.

It doesn’t have to be this way!

Are you ready to get serious and finally start making money?

There is a new strategy that works in all types of markets, has an almost perfect track record and will all but guarantee twice the return of the stock market with a 99% success rate

Here’s an example of how it works and the returns you can expect;

A leasing company with a BBB+ rating, that’s investment grade, issued a bond with a 7.5% coupon rate that matures in four years, July 15, 2013. You can buy it now at a discounted price of 79 or $790 even though it was issued originally at 100 or $1000. When it matures it will pay you $1000 and you‘ll receive a current yield, based on your purchase price of 79, of 9.49% while you hold it.

The annual return for this investment is computed by adding all of the interest payments you will receive between now and July 2013, eight payments of $37.50 each (75/2), plus the capital gains of $210 at maturity, $1000 minus your cost of $790.

Divide your total return of $510, (8 x $37.50 + $210 = $510), by your cost $790 for a total return of 64.5%.

You held it for four years or about 48 months, so divide your total return 64.5% by 48 and then multiply it by 12 months for one year. 64.6 / 48 x 12 = 16.14% per year for four years.

Most of you are saying, so what? 16.14% per year is peanuts!

Really?

16.14% per year at age 50 can turn your puny annual IRA contribution, even if you have saved nothing to date, into $312,174 by age 65.

16.14% per year is twice the high end annual current return of the stock market.

16.14% in an investment grade bond, not junk, has a 99.7% success ratio over an 80 year period including the great depression.

You cold conceivably never have another loss between now and retirement.

If you’ve managed to save $100,000 and only fund your IRA until age 65 and earn as little as 10% with no more losses you can have about $618,000 at retirement.

That’s another $43,000 in income per year without ever touching your principal.

A portfolio of investment grade bonds with the right maturity ladder is the only way you can get the security and returns to make this strategy work.

You will not be able to retire if you continue to lose money in stocks.

There are alternatives to stocks and the losses they give you, but you have to make the effort to do something new. Check out the Bond Trader, it is averaging 13%+ per year in the exact type and quality of bonds I just described.

You have everything to lose if you don’t do this.

Good Luck.

Steve