If you are tired of the low rates offered by banks, you want an investment that grows without the crazy swings of the stock market or have a desire to build a safe emergency savings vehicle, then this book is for you!
NO.1 AMAZON BEST-SELLER.
THE ULTIMATE INVESTMENT STRATEGY IN UNCERTAIN TIMES
The real purpose of an emergency fund is to preserve it, not lose it.
★★★★★
"I really like it and it makes too much sense" - Jim S
★★★★★
"Absolute genius" - Millennial Investing Podcast
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Will your emergency fund cover you when that emergency hits?
If you have it in a savings or money market account, it probably won’t.
If you have it stashed in your mattress, it definitely won’t.
Learn how to stash your cash the better way. The real purpose of an emergency fund is to preserve it, not lose it.
The Ultimate Liquidity Portfolio is a simple and conservative investment approach created by Chris Kawaja that has preserved purchasing power better than stocks, bonds, savings accounts, and money market accounts over a variety of holding periods. It’s simple, easy to implement (you can do this yourself!), and has decades of data backing it up.
WHO IS IT FOR?
ABOUT CHRIS KAWAJA
In his decades of investing, Chris Kawaja has learned from some of the greatest minds in the business. He studied economics with Paul Krugman at Stanford, did investment research at Goldman Sachs, received an MBA with high distinction from the Harvard Business School, and worked with Ray Dalio at Bridgewater.
You can regularly find him writing about personal finance, health, creativity, and more over at his growing blog and weekly newsletter Upwarding.com
WHY I WROTE THIS BOOK
The Problem
There is a problem with financial advice. For years, you’ve been told that savings and money market accounts are the perfect place to hold “emergency funds,” the cash you or your family may need in face of an unexpected emergency.
However, what you’re not told is that these funds can actually decrease in value over time because the low interest rates provided by banks fail to keep pace with inflation. The result? Most emergency funds will not cover you when that inevitable emergency hits.
The Experience
Too many people close to me have had their retirements and savings destroyed by market crises. So I wanted to build a simple, crisis-resistant portfolio.
I saw advisors getting rich while their clients weren't. Even my smartest friends didn't see how they were getting trapped by decision flaws like loss aversion, ignoring taxes, and the nominal value fallacy.
WHAT YOU'LL LEARN
✅ GOAL SETTING
Everyone’s emergency cash needs are different. We’ve dedicated an entire chapter to helping you figure out your customized target emergency fund amount.
✅ EDUCATION
Stocks are risky... except when they're in a diversified portfolio... the data and reasons why it's safer to include stocks.
✅ WHY THE ULP
Why the Ultimate Liquidity Portfolio (ULP) performs so well, how banks are bilking you of your money and what to do about it.
✅ SIMPLE SETUP
Detailed instructions on how to get started with the ULP in about 10 minutes and how to take money out when the emergency need hits to avoid negative tax consequences.
✅ PERFORMANCE
Hyperinflation, depressions, and more... How the ULP performs when the world looks really scary or really great.
✅ PHILOSOPHY
The philosophy of the ULP and human behavior: why we choose low correlation, real returns, drawdown resiliency, and liquidity.
ULP PERFORMANCE CASE STUDIES:
How to Stash That Cash - The Ultimate Liquidity Portfolio
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