NAOI Investor Education - Creating Wealth through Knowledge

NAOI Education and Involvement Translate Into Real Dollars

It probably makes intuitive sense that the more time you spend on your investing activities the higher should be your portfolio return. But translating time into dollars is not a given. For uninformed or uneducated individuals time spent with their investments will probably not increase portfolio returns and may even decrease them. On the other hand, as an NAOI graduate you WILL have the knowledge and tools to translate time into dollars.

But just how much is your NAOI education worth? What is the "pay-back"? We provide the NAOI "Real Dollars" Calculator below on this page to address this question.

The NAOI "Real Dollars" Calculator

The calculator presented below illustrates, in real dollar terms, the real benefits of becoming a knowledgeable investor and participating in the investing process. It shows the added wealth you can attain over the long term by adding just a few percentage points to the annual return of your portfolio. And the purpose of all NAOI Education Courses is to enable you to add these percentage points to your portfolio returns.

Using the calculator: In the first column of the first row of the calculator enter the return you now believe you can reasonably expect from your portfolio; before taking any NAOI course. Perhaps this is a return percentage that you have been told is possible by your broker or advisor. Or maybe you have heard an opinion in the media as to how the market will perform. For a moderately conservative, long-term portfolio, 8% is not an unreasonable number for a passive investing style. But enter a number of your choosing.

Then, in the following columns of the calculator, enter the amount you have to invest now, the amount you can contribute on a monthly basis, the number of years until you will begin to withdraw money and your tax bracket (leave the "zero" for tax sheltered accounts).

Click the "Calc" button to display the expected account value at the end of your time horizon. Then look below the data entry row. Each row shows your initial expected return rate PLUS incremental returns of 1%, 3% and 5%. This is a range of additional returns that you can reasonably expect as a more educated and involved investor. The "Additional Wealth" column at the right of the table shows you exactly the dollar value of NAOI education and increased involvement.

Note 1: Enter percentages as whole numbers - e.g. for 6% just enter 6
Note 2: DO NOT ENTER dollar signs, commas or decimal points, e.g. for one million dollars simply enter 1000000
Note 3: These numbers are estimates only, different assumptions will result in different numbers

Expected % Return	Initial $ Deposit	Monthly $ Deposit	Number of Years	% Tax Bracket	Expected $ Total	Additional Wealth

+1%	Expected Return plus 1% - You can probably add 1% to your returns with a 20 minute analysis and adjustment of your current portfolio using the knowledge and tools you gain in Course 1 of the NAOI Confident Investing Series. As an NAOI Certified Individual Investor you won't be satisfied with this.
+3%	Expected Return plus 3% - This increase requires a moderate amount of attention to your investments, but not much. Simply reviewing your current fund portfolio using the tools you learn about in Course 2 of the Series can easily produce this annual rate increase. You should not be satisfied with this small increase either. Still, look at your Additional Wealth at right.
+5%	Expected Return plus 5% - This increase and higher are well within your capabilities if you decide to complete the entire NAOI Confident Investing Series and adopt a proactive investing style. Look carefully at the Additional Wealth in the right-hand column that results from learning how to invest and applying this knowledge. This is the real value of NAOI Education products.

These numbers show very clearly that knowledge and increased involvement translate directly into real dollars. You will be fully capable of realizing this additional wealth should you decide to enroll in NAOI Study Courses. The investing "style" you choose will directly affect the amount of wealth you have the potential to attain.

Complete the entire NAOI Confident Investing Series, then decide. The cost of the series is insignificant in comparison to the added wealth you have the potential to realize as an NAOI Certified Individual Investor.