Introducing a truly "Foolish" solution to today's treacherous market:

Keep the phrase…

"I just CAN'T afford it"

Out of your retirement…

THROUGH THIS STRICTLY TIME–LIMITED "MOTLEY FOOL READERS ONLY" OFFER!

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Dear Foolish Investor,

I want my retirement to be two things:

1. Early.
2. Comfortable

And unless you want to work until you're 103…

Or spend what should be the most relaxing years of your life pinching pennies and clipping coupons…

I expect you feel the same.

But even as I watch my portfolio grow larger by the year—buoyed ever upward by scores of winning picks from our top-tier Motley Fool Australia services…

I can't help but feel a bit anxious. Because quite frankly…

In today's market, a few missteps could SHRINK your wealth

I pride myself on calling it like I see it. Always have.

So when I say that I'm concerned for the retirements of millions of hardworking Australians—not to mention the financial status of those currently retired—I hope you'll believe me.

Because there really is no denying it:

In today's economy, safe, steady, dividend paying investment opportunities—the sort that are 100% crucial to locking down a worry-free retirement—are getting harder to find by the second.

Listen: I've been watching the markets closely.

And the harder I look…

The clearer the truth becomes.

Low interest-rates are here to stay—and if you don't act accordingly, they could SHRIVEL your personal fortune.

Since November of 2011, the RBA has been applying steady downward pressure to the "cost of money" here in Australia…

Dropping the cash interest rate down from 4.75% to its current historically low 2.5% level.

I know what you're thinking…

"Wait a second — aren't low interest rates good for the economy?"

In theory? Sure….

After all, cheap money "theoretically" leads to increased consumer spending, which "theoretically" drives overall growth.

(You may have guessed it, but I myself don't always put much stock in "theory". I'd much rather have one ACTUAL bird in hand than two "theoretical" ones in the bush.)

But in the event that you're more concerned with your portfolio's real growth than the government's academic—and frankly, somewhat muddled—attempts at overall growth, consider the following:

By keeping some of your cash in term deposits like I do… at 2.5%, your term deposits are actually SHRINKING your money.

According to Mozo spokeswoman Kirsty Lamont…

"…the majority of term deposit investors aren't earning enough to get ahead… you need to be earning at least 4.44% if you're an average income earner to get ahead after inflation and tax."

The last time I looked, not a single bank was offering even a five-year term deposit at that level.

The bottom line is term deposit rates are sending customer savings backwards.

Which means you could be moving ONE STEP CLOSER to the poorhouse!

Now, I know the "common wisdom" is that the RBA is expected to hike up interest rates somewhere around the middle of 2015.

But as Chris Kimber, managing director of prestigious wealth management firm Kimber Capital, recently pointed out:

And in October 2014, highly respected Sydney Morning Herald and The Age economics editor Ross Gittins said there is…

"… no scope for even just one upward click in interest rates.."

Moreover, as Damien Booey and Hasan Tevfik, two whiz-kids at Credit Suisse, made painfully clear in a private note to clients…

Even if interest rates DO rise they may only do so by as little as 1% — to just 3.5%.

No matter how you look at it, it's likely that "cheap money" isn't going anywhere.

Now, maybe that's good news if you're trying to borrow money. But what about you and I—the hard-working blokes who are in the market to actually MAKE some money?

In other words….

Where do Fools like us go to secure ROBUST, RELIABLE INCOME…
(the sort that can grow a portfolio no matter where the market goes?)

Easy.

We ask my mate Andrew!

After more than a dozen years spent deep in the financial markets, Andrew Page has worked with everything from margin lending to derivative instruments. He understands the market's most sophisticated wealth-building instruments…

And in an effort to share that knowledge, he's already given dozens of presentations to investors around the country.

Heck, maybe you've already learned a thing or two from him on one of his countless appearances on the Sky News Business 'Your Money, Your Call' TV program!

But with too many traditionally "safe" income strategies drying up at an unsettling rate…

And thousands of loyal Motley Fool readers looking to keep the words "I just can't afford it" out of their retirements….

Andrew has decided to embark on his most ambitious adventure yet.

INTRODUCING: Motley Fool Dividend Investor
"THE NEXT GENERATION OF AUSTRALIAN DIVIDEND BLUE-CHIPS"

In his last job, Andrew worked for a "closed-door" investment society that included some very wealthy Australian families.

The business was simple: clients gave Andrew thousands of dollars…

And he gave them the sort of advice that enabled them to stack new dollars atop their "old money."

But in his capacity as Chief Advisor of Motley Fool Dividend Investor, he'll be putting the full weight of more than 14 years in the financial markets behind an entirely different goal:

Helping to make YOU money—one winning dividend share at a time.

In my opinion, Motley Fool Dividend Investor is the absolute BEST solution for any investor seeking to lock down their long, luxurious retirement…

By zeroing in on the lucrative intersection of steady, robust dividend yield AND long-term capital appreciation potential in today's tricky market.

To put it bluntly: I firmly believe that, one exceptional monthly dividend stock pick at a time, this service WILL likely make you money for decades to come.

That's why I'm urging you to get in on the ground floor of this tremendous adventure…

So you can start enjoying these exclusive benefits of membership today:

• Brand new emails from Motley Fool Dividend Investor — featuring high-conviction dividend stocks culled directly from Andrew's search for the next generation of Australian dividend blue-chips—delivered to your inbox like clockwork, month in and month out.
• Exclusive access to our members-only website, where you'll find our "Buy First" stocks and every other Motley Fool Dividend Investor stock pick we'll ever recommend. Plus, over time, scores of "for your eyes only" interviews, videos, and articles.
• A scorecard that lets you see the performance of ALL our stock tips, including dividend yields, in one convenient place.
• Breaking alerts by email with important market news that impacts your portfolio, including weekly updates on our picks.
• 24/7 access to our exclusive member-only online discussion boards.

Plus, as a special "thank you" for your loyal Motley Fool Australia readership…

For a strictly limited period of time, you're invited to enjoy "early bird" access to Andrew's income-seeking voyage…

At an unbelievable **READERS ONLY ** rate!

Motley Fool Dividend Investor retails for $199 per year.

Let me put that into context — your fund manager is likely charging you MULTIPLES of that, and for what? Quite possibly significant under-performance.

I'm biased, of course, but based on our past results, and on the high level of service and transparency you'll get as a Motley Fool Dividend Investor subscriber, I believe it's the best ASX dividend stock research you'll find in Australia.

Today I'd like to make you an offer you simply can't refuse…

I'd like to offer you a very special introductory price of just $98 for the first year of your Motley Fool Dividend Investor subscription.

That's a discount of more than 50% off.

It's the lowest price we've ever offered a Motley Fool Australia newsletter service.

But that's not all.

Sign up for a second year today and you'll save yourself EVEN MORE.

By taking advantage of my special introductory offer, you can pay just $189 for TWO years of Motley Fool Dividend Investor.

Click here to get started now.

That's right: 100% access—for UNDER 25 cents a day!

Let me be perfectly blunt:

I value your time…enough not to take up any more of it.

And even more so, I value your intellect… enough not to pull out any "hard sell" bells and whistles.

So instead of blabbering on about this unique wealth-creating opportunity, I'll simply share three facts I believe you ought to know…

And then let YOU make the call.

Fact #1:
You ARE going to need money for retirement.

And if your retirement dreams are anywhere near as grand as mine, you're going to need LOTS of it.

Dividend investments—which allow you the option of collecting regular dividend cheques, reinvesting that yield, or deploying a strategic combination of both—are one of the absolute safest ways of locking down an appropriately handsome sum for your golden years. Hands down.

Fact #2:
Dividend shares CAN make you a millionaire.

Spread out over decades, buying and holding dividend paying stocks, and reinvesting the dividends, can translate into stunning multi-million dollar returns.

Don't believe me? Just ask the scores of investors who made their seven-figure fortunes off the last generation of dividend blue-chips.

(It's worth noting here that last generation's blue-chip dividend shares are, in fact, just that: shares for the last generation. If you're of the mind that Commonwealth Bank, Woolworths and BHP Billiton, and the like can still do the trick in this day and age, I'd kindly assert that this service is NOT for you.)

Add in the franking credits — which can be potentially received as a tax refund by you – and you can see just how lucrative dividend investing can be for ordinary investors like you.

Fact #3:
It pains me to say it, but I'm afraid I must…

At just $98 for the first year, this introductory offer is for a strictly limited period of time

If you do decide to join today, I'll jump-start your membership with two high-value investment reports — provided 100% free, with my compliments:

• The First Step to Seven Figures: One "Next Generation" Dividend Blue-Chip to Own TODAY: In order to get early bird Motley Fool Dividend Investor members on the right path—right away— I've put together an exclusive action alert detailing absolutely EVERYTHING we believe you ought to know about one exceptional "next-generation" dividend share. With a hefty 6.7% grossed-up dividend and a core business that sits at the centre of one under-the-radar "market megatrend", this is the sort of play that may just put a smile on your face for DECADES to come.
• 6 Ways To Pick The Great ASX Dividend Stocks of Tomorrow. Buyer beware! Buying a stock just because the dividend yield looks attractive can be downright dangerous.In this special report, exclusively for subscribers to Motley Fool Dividend Investor, Andrew Page reveals the 6 critical steps he considers when assessing the attractiveness of the ASX's many dividend buying stocks. For the serious dividend investor, it's a report not to be missed.

All that…all yours to keep…all on top of your full early bird membership to Motley Fool Dividend Investor, complete with all associated rights and privileges….

All backed by the Motley Fool's stress-free 30 Day Money Back Guarantee. To secure your special introductory offer, click here now.

I sincerely hope you can hear a "no-brainer" opportunity knocking…

And more importantly, I sincerely hope you answer it.

To claim your early bird membership, go ahead and click the "Start Now" button below. Signing up will take less than a minute…

But the feeling of being glad you did?

That should last a lifetime.

CLICK HERE to secure your Early Bird Offer

I'll see you on the inside.

Here's to the next generation of dividend investing millionaires!

Bruce Jackson
General Manager
Motley Fool Australia

P.S. As we've seen, well-selected dividend investments have translated into seven-figure retirements for everyday Australian investors.

But it's not the right strategy for everyone.

That's because it requires a level of commitment and decisiveness that some people simply cannot muster. It also generally necessitates a great deal of painstaking, in-the-weeds research to be executed properly. Or at least, it used to. Membership to Andrew Page's Motley Fool Dividend Investor could let you in on the next-generation "blue-chip" dividend stocks that turn a $10,000 investment into $274,000, $286,900, or even $369,000—while only taking up about 4 minutes of your time per month!)

P.P.S. Stress shouldn't be part of your journey towards wealth—that's why this offer (and the free gifts that come with it) is covered by The Motley Fool's "keep everything risk nothing" DOUBLE GUARANTEE. To take full advantage, you must join through this link today.

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All returns cited are hypothetical and based on the percentage change between the stock price at the time of recommendation and the current or sell price (if the position has been closed) at the time of publication. Brokerage, taxes and any other associated costs are not taken into account. Please remember that investments can go up and down. Past performance is not necessarily indicative of future returns. Performance figures are not intended to be a forecast and The Motley Fool does not guarantee the performance of, or returns on any investment.

Of the companies mentioned above, Bruce Jackson's family has an interest in Commonwealth Bank, Woolworths and BHP Billiton. The returns for Commonwealth Bank, Woolworths and BHP are accurate as of 26th September 2014.

Motley Fool Share Advisor launched in December 2011 and Andrew Page has been on the Motley Fool Share Advisor team since January 2014.

Any and all advice contained in the above content is general advice that has not taken into account your personal circumstances. Please refer to our Financial Services Guide (FSG) for more information.

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