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For Investors, the November Presidential Election will be virtually irrelevant


People with investment and retirement portfolios may be watching the presidential histrionics and posturing with intense interest hoping for guidance on how future Government policy will affect the stock, bond and housing markets. Close interest is being paid because there is a belief that the election will have a huge effect on their investment plans for the future. “Not so” says investment and financial planning advocate Hugh Gallagher who has just published his new book “The Investor’s Journey
Gallagher states “In the United States, the Baby Boomer generation is either recently retired or will retire in the next two decades. This accounts for close to 80 million people.  In Europe the trend is similar as ageing populations exert more pressure on the system. Worrying about the outcome of a presidential election is falling into the trap of looking after the small details while not discussing the elephant in the room.”
“No matter who gets elected the fundamental fact is that Governments cannot afford to honour the future commitments that they have given in terms of social security and Medicare. It is hard to say exactly what changes will be made and when they will occur. But one thing is for certain, each individual will have to take more responsibility for their future finances.  No politicians’ promises can change that fact.”
Gallagher continues “According to a recent Gallup poll, for 66% of Americans, their biggest worry is retirement. The figures are stark and people need to get themselves educated. Everyone’s situation is different. Each person needs to understand where they are today and what actions they need to implement to get to their desired retirement goals. There is no shortcuts to this. It has to be done.”
“Too often people don’t know where to start. They get swallowed up by the avalanche of information but have no real direction.”
His book “The Investor’s Journey” which is available for free download until Monday 15th October 2012 attempts to bring order to this madness.
In this book, future retirees will discover
-The importance of not chasing short term returns but ensuring long term results.
-The importance of not falling for “investment secrets” sales pitches.
-The disconnect between how most people invest their money and the real needs from this invested money.
-The investment journey that takes the investor from despair to enlightenment.
Hugh concludes “Getting that together is easier than everyone believes. It is just about knowing where to look. There are no magic solutions that will make your problems disappear overnight but making informed decisions and taking clear and consistent action can make massive improvements to your retirement plans.”



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