the best places I know to teach you about investing in
general is the National Association of Online Investors.
The NAOI offers a five-course series called the ''Individual Investor
Certification Program'. It teaches you all the basics you need to know, and then some."
Lynnette Khalfani, CNBC Reporter and best-selling author of "The
Money Coach's Guide to Your First Million"
National Association of Online Investors!
Founded in 1997 the mission of
the National Association of Online Investors (NAOI) is to empower
individuals just like you to effectively navigate the confusing
and perilous world of investing and take personal control of their
portfolios. We do this through the education courses found on
Today's equity markets are
becoming increasingly volatile and unpredictable. Factors are
affecting equity prices that have the potential to wipe out your
portfolio virtually overnight. It happened in 2008 and it can
happen again, but even more suddenly. You can no longer afford to
simply turn over your financial security to a third party and just
hope. You need to assume personal responsibility for both
protecting and growing your portfolio on your own. You simply must
become an educated investor.
On this site you will find the
college-level education courses and programs that will enable you
to invest with confidence. These courses give you
the knowledge, structure and tools to transform your portfolio
from a murky collection of under-performing, expense-laden mutual
funds into a streamlined set of investments that can provide a significant source of income and wealth creation. NAOI
courses show you how to make money in any market condition while
limiting risk and protecting your portfolio from the market
crashes that are sure to come.
you work with an advisor, invest on your own or do both, you must
make informed decisions. The Study Courses you find on this
site enable you to do so far more effectively than
any other resource in existence. Storm
clouds are looming in financial markets. You must take control of
your money today!
The NAOI offers a variety of
cooperative programs. An overview of just a few are shown below.
Click the Partnerships and Affiliates items in the menu above for more detailed
us educate the investing public - we can't do this alone!
graduates of the NAOI Certification Program are eligible to become an Affiliate
NAOI Member and earn money by referring new students to our Courses
to find out how.
Boost Your Sales!
NAOI holds a unique vantage point in the world of investing. Because
we interact with thousands of individual investors per year we have
a pretty good idea of what they want, need and will buy. The NAOI is
willing to share this data and work with you to enhance your
offerings based on this research.
here for more information.
NAOI has Unique Education Programs to enhance the products /
Full Service Brokers
Investing Product / Service
Click here for more information.
Here are just a few
organizations we have worked with:
Lasser Tax Specialists
VantagePoint Benefit Adivsors
Assoc. of National Account Execs.
are thrilled to be working with such a great company,”
said E. Matthew Buckley, CEO of Options News
NAOI is a leader in providing college-level investing education to the
public, and we’re excited about the synergies
that we can create working with them in this partnership.”
All NAOI Courses
reference external Web sites for a variety of investing activities.
If you feel your site deserves to be brought to the attention of our
students apply for NAOI Recommended Site status and start realizing
your full sales potential.
Click here for more
NAOI Study Courses
Courses are shown below and detailed throughout this site. They range from the most basic
education for beginners to the most advanced investing
techniques that you, as an individual investor, are likely to
use. Read the overviews presented below and click the links to read more details for each.
NAOI education products are
multi-media courses that consist of a hardcopy workbook and a
closely integrated Online Supplement. This format enables you to
become involved in the learning process by not only
"reading" but also "acting" by using calculators,
filling in worksheets, visiting Web sites and taking tests
related to course material.
This is the serious education that you need to not only survive, but thrive in today's
complex and dangerous investing environment.
Click for more
of Personal Investing
ground-breaking course defines a bold
new approach to investing that takes advantage of today's
volatile market dynamics. The author shows you how to
create a powerful, Dynamic Portfolio using Exchange Traded Funds
(ETFs) as the primary investing vehicle and three unique
Portfolio Segments as follows:
Segment uses a Moving Average strategy to get you into markets
that are trending up in the long-term and out when they
start to move down.
Segment uses an innovative Relative Strength and Asset
Rotation strategy to produce astounding returns that "Turbo
Charge" your portfolio returns with minimal risk.
Segment enables you to
find ETFs that thrive in current market dynamics, whatever they
are, and shows you how to buy and sell them using a simple
a graduate of this course you will be empowered to achieve
returns that far exceed market averages and with less risk. This
course represents the future of
NAOI Individual Investor
Consisting of 5 courses, this is
the most comprehensive personal investor education program
available today. It is the academically rigorous course in
investing that you should have been offered in high school or
college - but were not.
Just think about it. In the
financial services industry every person who tries to sell you
something is licensed or certified. In all likelihood YOU are
the only person in the equation that is not. This puts you at a
great disadvantage; having to just accept what these
"experts" say without challenge. And you are
vulnerable to all manner of scams. This is very
dangerous to your financial health.
It's not your fault. Nowhere
have you been offered true investor education.
Until now. NAOI study courses level the playing field and
empower you to challenge advisor recommendations and/or to
invest on your own with complete confidence. Finally, you are in
control of your financial future.
Click for more
Click for more
Basics and Creating Your Plan
Online Version of this Course
Course 1 of the NAOI Certification
Program provides you with two
factors absolutely essential to effective investing: Basic
and a Structured Process for building your
This course is available in two
formats: completely online and online with a workbook as shown at
left. The online course is free. Simply click the
"Order/Join" menu item at the top of this page and
enroll today. If you wish to add the Workbook the cost is
here to review the unique
NAOI Financial Calculators
you will use in this Course (note that a new tab will open)
All well designed portfolios
will have a “Core” of broadly diversified mutual funds.
These are your “buy and hold” investments. They will be
highly-diversified, relatively low risk and require little of your attention. But you
will not settle for market
As a graduate of this course you will be able to put together a
portfolio of Core Funds that has the potential to consistantly beat market averages without exceeding your risk tolerance.
Click for more
In Focused Mutual Funds
This course teaches you how to easily invest
in target markets using Focused Funds. Example target markets are
Gold, Emerging Markets, China, Real Estate, etc. Sector and
International investments such as these hold the potential for annual
returns that are far greater than broad-based Core Funds.
Here you will learn how
to identify areas that have the potential for explosive growth
and how to invest in them using Sector Funds and/or Exchange
Traded Funds (ETFs). This is an exciting type of
investing that you must consider for your portfolio.
Click for more
To truly maximize the wealth
potential of your portfolio you need to consider trading
individual stocks. If you are willing to learn how to find and
analyze stocks and then, for those you buy, put in place a
trading plan that limits losses while letting profits run, then
you have the potential of beating average market returns by a
large margin. This course shows you how.
This is not "day
trading". Here you will learn how to trade stocks in the
short to mid-term time range. This is called "momentum
trading" and it can produce astounding returns!
Click for more
Stock options are rapidly
gaining in popularity. Why? Because people who take the time to study options realize
that they do not need to be risky or complicated. And the
benefits they add to your portfolio can be astonishing! This course
starts with a basic options primer and then shows how you can
use options to leverage your purchasing power, produce a steady,
low-risk income stream and even protect your portfolio from
All investors must consider
adding stock options to their investing toolkit. This course
shows you how to do so with confidence.
for more information
Please note that
any of the above courses can be ordered and taken individually
without the need to have completed any other course. Combined,
these 5 courses make up the NAOI Certification Program.
From Our Program
Following is just some of
the input from our members/students. These testimonials tell our
story far better than we can.
is for investors at all stages of their life!
just completed your NAOI Individual Investor Certification Program last
night and was extremely excited to finally be able to order my diploma.
I will proudly hang it on my wall to remind myself of the effort and
knowledge that I have put into and gained from your program. I wanted to
thank you for creating the NAOI education program because it has opened
up my eyes to the investing possibilities that I always knew were around
but never knew how to take advantage of.
You have helped to empower me
to make informed investing choices, and taught me that I don't need to
put my financial future in the hands of other people. I would also like
to comment that I really appreciated and enjoyed the fact that the
information was presented in a way that even a financially uneducated
person can understand. I would love to share the knowledge that I have
gained through your program with everyone I know and come into contact
with, and would love to become a part of the NAOI
Empower American Investors Project. Please tell me how I can
"help myself and help others."
Chason D. Calimpong,
Kaneohe, HI. (Oahu).
completing an NAOI course I took 30 minutes to analyze the portfolio my
advisor had put in place for me. Was it ever a mess. The risk level was
off the charts! I now know how to fix it .... and how to find a better
advisor .... Alan H.
courses are exactly what I was looking for. They are comprehensive, well
organized and written in language I can understand. I wish I had taken
them 20 years ago. .....
will never be an active investor but as an NAOI graduate it takes me
just a few minutes, using free Web resources, to analyze my
advisor's recommendations ....and he knows it. The quality of his
advice has sure improved....
a study program that doesn't try to sell me a specific product or
investing strategy. You have given me the knowledge, structure and tools
to make my own decisions, ones that fit my unique needs... Karen
courses showed me where to find the most powerful investing
resources on the Web, and all are free to use. Without
these courses I would never have found them ......
course I took transformed me from a bewildered bystander to a motivated
and involved investor. I now have a substantial second income and I
spend very little time in the process ....
have transformed my investing library from shelves of half-read books to
5 slim NAOI Course workbooks. The multi-media format is, without a
doubt, the future of all investing publications.
academia! These are the courses that should be offered in every high
school and college in America.
Our young people need
to learn how to invest NOW to begin planning their financial future. Mary F. .. High School Teacher
NAOI course I finished took the fear out of investing for me. I no
longer passively accept the single digit returns I have been getting for
years. NAOI education is beyond any dobut the best investment I have ever made
.... Kevin B.