For purposes of showing what Stars can do I have used a return of 21% per year. Most probably think this is too high but that is the return of the best version of Stars over the past 25 years. I think that is conservative because during that time the S&P showed no gain except for a 2% dividend for 12 years which is almost half the time.

When you are young, you should still be able to put aside $1,000 in a year. If you invest this in the best version of Stars, you will have $2 million in 40 years which is about the time you retire. Parents can use the same approach for young children and grandchildren. Managing the account takes one hour per year to perform two trades for rebalancing. No knowledge of stock picking or market direction is needed.

When you are settled in a career, you should be able to save $5,000 per year for 7 years. Using Stars best version this should be about $100,000 in 7 years. Once it gets to $100,000 you shouldn’t need to save any more for retirement. Your savings can now go to other priorities. In 25 years you should have about $12 million. I know this is hard to believe but that is why it is the best investment I can find. Warren Buffet earned 23% per year for 54 years.

You are now very close to retirement and think your savings will not cover ever increasing prices for everything. Most advisors move towards more conservative investments at this point but that will not work in your situation. Learn about Stars and you will see that drawdowns are overcome in 2 years when your portfolio is at new all time highs. With the Stars version in the book your portfolio will double every 5 years.

Stars is this powerful even if the investment community doesn’t believe it. They have systematically set up rules that reduce performance.