How a simple investing habit helped grow a fortune... ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ 

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View in browser SPONSORED Trump's Favorite AI Energy Stock?? It's wildly profitable - Over $3 billion in operating income. It has a partnership with the hottest AI stock on Wall Street. And Trump has publicly backed it? Get the details on #1 AI energy stock here. EDITOR'S NOTE Recently, our friends at Manward Press reached out regarding an exciting "undefeated monthly play" opportunity. Then one of the monthly plays we mentioned went on to soar 132% in just 45 days. Some cashed in... others missed it. But now May's "undefeated play" is about to go live on the 1st... and time's running out. Consider, May's play has averaged 71% every May for five years... To get the details (including the FREE ticker symbol), click here now. (And if you hurry, you can also get the free "undefeated" tickers for June, July, August, and more.) Details here. - Nicole Labra, Senior Managing Editor THE SHORTEST WAY TO A RICH LIFE The Ideal Investment Technique for Small Investors Alexander Green, Chief Investment Strategist, The Oxford Club In his excellent book Atomic Habits, author James Clear points out that most of your outcomes in life are a lagging indicator of your habits. Your knowledge is the sum of your reading and learning habits. Your health and fitness are the sum of your eating and exercise habits. Your net worth is the sum of your saving and investing habits. You've probably realized this even if you never articulated it. But here's where things get interesting… Clear points out that getting the results you want - financial or otherwise - is not about setting the right goals. It's about following the right systems. Tiny changes can lead to dramatic results in your life. That's why Clear calls them atomic habits. Atomic means both extremely small… and very powerful. Let me give you an example from my own experience. As a young man, I hired an accountant each year to prepare my federal tax form. It's not that my finances were complicated - far from it - but I am form-a-phobic. I hate filling out the annual 1040 and still believe the IRS makes things needlessly complicated. When my accountant did the calculations and told me how much extra I owed each year, it irked me. She'd ask why I didn't save some taxes - and plan for retirement - by making an IRA contribution of $2,000. That was the maximum back in those days. (I had no employer sponsored plan.) "Why? That's easy," I said. "I don't have $2,000." She shrugged and said she had no other suggestions to offer. However, I did some research and discovered that there was a fund family called 20th Century - now American Century - that would allow investors to open an IRA account with no minimum investment. (No minimums are common now but were virtually non-existent 40 years ago.) I did a quick calculation and found that $2,000 divided by 12 months is $166.66 a month. So I sent 20th Century a check for that amount and signed up to have them automatically draft my bank account for another $166.66 each month. This is a widely known investment technique called "dollar cost averaging" or DCA and - while I'd never heard the term back then - it has several advantages. By investing a fixed amount at regular intervals, it smooths out the effect of market fluctuations. SPONSORED "The question isn't whether I should invest... It's HOW MUCH should I invest?" - Billionaire Ray Dalio Have you heard the rumor about Charlie Munger's final investment? Munger's close associate, billionaire investor Mohnish Pabrai, says it could be "the most valuable business on the planet", surpassing Nvidia. And right now, you can get in with as little as $50. CLICK HERE FOR THE FULL STORY When prices are high, you buy fewer shares, when prices are low, you buy more. Over time, this will lower your average cost per share. DCA eliminates market timing, which can't be done successfully, and reduces emotional decision-making, such as overconfidence during stock market rallies and panic selling during downturns. The habit of making regular contributions instills discipline and helps investors stick to their investment plans. And automating your investments ensures that funds are consistently allocated toward building wealth rather than being spent elsewhere. History shows that stocks rise over the long haul. Spreading out investments over time ensures consistent participation in the market, allowing investors to benefit from long-term growth. Dollar cost averaging is an ideal investment technique for small investors, most of whom don't have a lump sum to invest anyway. Over time, I began dollar cost averaging with other funds - and with greater sums - and watched as my account values grew from tens of thousands to hundreds of thousands of dollars. I let the bank drafts continue in both good times and bad - including after the stock market crash of 1987 - always reminding myself when the market was down that I was buying more shares with the same amount of money. Here's the surprising part. I made one initial decision - to open an account and invest what amounted to little more than the monthly beer money - and then watched my net worth rise as the years went by. Please note I didn't do anything absolutely brilliant. Nor did I do anything terribly brave. I just made a single decision to have my bank account debited monthly and then just let it happen automatically. James Clear would recognize why I succeeded. I let a habit become my system, one that required zero effort on my part. As my net worth grew along with my investment sophistication, I eventually went from mutual funds (which were hitting me with big annual tax bills outside my IRA) to individual stocks. Bottom line? I adhered to proven habits. I worked. I lived beneath my means. I saved regularly. I invested wisely. And I resisted the temptation to spend the money as it grew in value. Dollar cost averaging isn't rocket science. And it's a great way for new investors - especially your kids and grandkids - to get started. Good investing, Alex BUILD AND PROTECT YOUR WEALTH New Evidence Suggest Trump Is Crashing the Stock Market on Purpose? 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An "A"-rated, ultra-safe dividend stock with a huge 8% yield Three of Marc's favorite "Extreme Dividend" stocks, which could supercharge your income And finally, his No. 1 dividend stock for a LIFETIME of income. Click here before the download link expires. You are receiving this email because you subscribed to Liberty Through Wealth. Liberty Through Wealth is published by The Oxford Club. Questions? Check out our FAQs. Trying to reach us? Contact us here. Please do not reply to this email as it goes to an unmonitored inbox. Privacy Policy | Whitelist Liberty Through Wealth | Unsubscribe © 2025 The Oxford Club, LLC All Rights Reserved The Oxford Club | 105 West Monument Street | Baltimore, MD 21201 North America: 877.806.4508 | International: +1.443.353.4610 Oxfordclub.com Nothing published by The Oxford Club should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation. Any investments recommended by The Oxford Club should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. 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