At Risk N Returns, I believe in promoting sensible DIY investing through the sharing of ideas or leading by example in managing my personal portfolio.
That said, I recognise that reading a weekly article about investing does not inform you enough about taking charge of your own journey to financial freedom.
As such, today I’ll be presenting to you a course that I’ve personally attended and strongly recommend to beginner and more risk adverse investors – Dividend Machines by The Fifth Person.
Dividend Machines is conducted by Rusmin and Victor from The Fifth Person, an independent investment website which also runs courses and memberships on various investing styles.
The course focuses on investing for income, the idea of buying equities or REITs to build up your income cash flow so that one day you are able to retire without fear as your investment cash flows is more than sufficient to replace the cash flows of your job.
Why take an investing course?
Honestly, good investing methods and techniques are well documented online and in the massive library of books that are easily available free. That said, there are many reasons why taking an investing course might suit you:
1) Investing books / e-learnings put you to sleep
I’ve tried reading many an investment book on my own. Many have put me to sleep as I was simply too tired/sleepy/bored to power through a few hundred pages. And don’t get me started on e-learnings and the instructors’ droning voices.
What I’ve learnt from my years in school is that I learn best in a teacher-student kind of environment, and that may apply to you as well.
2) You want to accelerate your learning
Let’s face it, investing is hard. I can recount to you the countless times I’ve sold too early or bought too soon. Or the times where I lost a significant % of my investment to the hot investment fad of the year.
But what you really want to avoid is the steep losses from investing in bad securities like Hyflux perpetuals, StarHub or Asia Pay TV Trust.
A good investment mentor could have pointed out to you some of the pitfalls for you to avoid.
3) You want to meet like-minded individuals
Investing can be a very lonely business. When I first started this blog, I was like a hermit. Other than my dad who first got me interested in investing, I did not have anybody else to discuss my ideas with.
That all changed when I started coming out to meet more people at classes and attending more investing events. This allowed me to discuss ideas with fellow investors and even crowd source ideas to research on.
Why invest for income?
For most people, investing is about building sufficient wealth to be able to eventually live off of in your retirement. In order to do that, your investments need to be able to generate cash flows on their own, otherwise the only way to monetise your investments is through sale.
This is equivalent to slaying the golden goose while incurring added costs in the process.
For me, the added kick of income investing is to see the dividends / income being credited into my bank account. It makes me feel that I’m receiving a 2nd salary and keeps me motivated in my investing journey.
Why Dividend Machines?
Simply put, I only promote something that I have independently reviewed with my own money and determined to be useful.
Readers may recall that I attended and reviewed the investment course last year and at the time I delivered a largely positive review with a caveat that I needed to test their methodology for myself.
Almost 1 year has passed and based on my experience so far, it has been largely positive, with stocks / REITs identified using their method having good performance in my portfolio.
As such, I’m comfortable with recommending this course to you all.
If you sign up here for a low low price of USD347 (after USD50 discount for readers), you get lifetime access to the following:
- Online platform for the Dividend Machines training – review the method on your own time
- Members-only Q&A forum – clarify your doubts with Rusmin and Victor here
- Dividend Machines Live workshop – go for the workshop as many times as you need
- Complimentary future content updates
You get to learn things like:
- How to select dividend paying stocks with sustainable payouts
- How to determine if a dividend paying stock is potentially a fraud
- Understanding Real Estate Investment Trusts (REITs) structures
- All the key ratios and metrics to look out for in a strong dividend stock / REIT
What’s more – if you are skeptical, there is a 30 day money back guarantee, so feel free to sign up to try out first.
If you are just starting on your investment journey and are more risk adverse, this is the course for you. An investment course that teaches real knowledge, with limited upsell / BS at a comparatively affordable price, with a 30 day money back guarantee in case you find the course unsuitable, signing up seems like a no-brainer.
Registration closes 10 March so sign up here to avoid disappointment 🙂
This article contains affiliate links. Should you click through the links and sign up for the course, I will receive a affiliate fee at no cost to you. That said, having independently reviewed the course last year and based on my actual experience with the method on the market, I truly believe that new investors can gain much from this course.
Also, I’ll be accompanying a friend for the workshop on 9 March, so hope to see you all there!
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