Income Builder

Income Builder is an investment newsletter that helps investors in all facets of portfolio management. Through the Income Builder model portfolio, the newsletter addresses:

1. Asset allocation;

2. The macro picture - analysis of fundamental trending in the economy and financial markets;

3. Technical analysis - analysis of short- and long-term price trends on individual securities and the broader market;

4. Security selection - concise, yet informative analysis that includes a discussion of potential risks and rewards and offers clear buy and sell actions on stocks, bonds, mutual funds and other investments that are generally available to individual investors;

5. Practical tips on managing a portfolio - including buying and selling securities from broker-dealers, low-cost information sources, how to evaluate prospective investments and portfolio structuring.

Primary investment objective: The Income Builder model portfolio seeks to achieve a long-term rate of return that is 50-100 basis points above inflation while maintaining a focus on capital preservation. Although income-oriented securities, such as bonds and higher dividend-paying stocks are a major focus, a segment of the portfolio also includes speculative investments, such as small- or micro-cap stocks.

Income Builder is published monthly in a concise readable format. Each Bulletin has a summary of major points on the first page and a list of specific portfolio actions taken on the last page. In between, the Bulletin provides commentary and analysis on specific asset classes, sectors and individual securities.

Stephen P. Percoco, the editor and publisher of Income Builder, is a security analyst with more than 25 years of analytical experience. He was formally trained in credit analysis at a major commercial bank, worked on Wall St. as a high yield debt analyst and has evaluated equity securities for more than 17 years. He has been publisher of Income Builder for the past eleven years.

Download Free Sample issue:
Bulletin 1363, December 15, 2011, 115 KB

Fixed Income Investing:
Bulletin 132 1, June 30, 2009, 265 KB

Total Performance of Income Builder Portfolios vs. Selected Equity Benchmarks
January 1, 2005 – December 31, 2012

	1-year	3-year	5-year
	Total	Avg. Total	Avg. Total
	Return	Return	Return
	2012	2012	2012
Dow Jones Industrials	10.2%	9.9%	2.1%
S&P 500	16.0%	10.9%	1.7%
Nasdaq Composite	17.5%	11.2%	3.7%

Income Builder
Equity	15.1%	8.9%	-2.6%
Cash	0.1%	0.8%	1.3%
Fixed income	11.3%	8.8%	8.6%
Mutual funds	0.8%	0.4%	0.6%
Gold	10.2%	19.4%	17.2%
Total portfolio	9.9%	7.0%	3.3%

Total Performance of Income Builder Portfolios vs. Selected Equity Benchmarks
January 1, 2012 – December 31, 2012

	Year-to-date	Year-to-date
	Total	Tot. Ret. exc.
Income Builder Portfolio	Return	Div./Int.
Common stocks	15.09%	10.16%
Fixed Income	11.26%	4.68%
Mutual Funds	0.81%	-0.18%
Cash (T-Bills)	0.07%	0.00%
Gold	10.25%	10.25%
Total	9.86%	6.56%

Stock Benchmarks
S&P 500	16.00%	13.41%
S&P Mid-Cap 400	17.88%	16.07%
S&P SmallCap 600	16.32%	14.82%
Blended Stock Benchmark	16.17%	13.68%

Bond Benchmarks
Barclays Aggregate	4.22%
Barclays Treas. Composite	1.42%
Barclays U.S. Corporate	9.82%
Merrill Lynch High Yield Cons.	15.50%

(Portfolio return figures include estimated commission costs, which for the stock portfolio were 0.20% year-to-date. Blended stock benchmark equals a mix of S&P 500, S&P Mid-Cap 400 and S&P SmallCap 600 weighted according to year-end market value to estimate total market performance. Supporting figures and commentary available upon request.)

Subscribe to Income Builder at the rate of $145.00 for six months (12 issues), a 25% discount from the regular price of $195.00. This offer is good until March 31, 2013. You can access the subscription form here.

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