Personal Finance

Personal Finance is a monthly investment advice newsletter that claims to make money on 85% of its trades. Find out if the newsletter is worth a subscription today in our review.

What Is Personal Finance?

Personal Finance is an investment advice newsletter created by the team at Investing Daily. The monthly newsletter is priced at around $40 a year.

As part of a recent marketing campaign, Personal Finance is bundling itself with other online guides. The latest bundles include two eBooks called the “Options Strategy Manual” and “The Biggest Legal Loophole in the IRS Tax Code.”

Personal Finance is written by Jim Fink. Fink claims to have turned $50,000 into $5.3 million. He also claims that out of all the trades recommended in Personal Finance, 85% will make money. They have a success rate of just under 85%.

How Does Personal Finance Work?

Obviously, making money on 85% of all your trades requires an ability to constantly out-think the market. What makes Personal Finance unique? How does the newsletter claim to beat the market on a consistent basis?

Fink describes his success as his “secret sauce”. He talks a lot about “seasonality”, which involves timing the market throughout the year. Fink talks about strategies like, “Sell in May and go away”, for example, and claims that the best time to invest in most markets is between November and April.

The seasonal tendencies vary between industries. Some seasonal tendencies are based on the weather affecting a certain industry, while other tendencies are based on spending surges (for holidays and tax refunds) or financial events (like earnings reports and dividend hikes).

In any case, Fink has incorporated this information into “a proprietary software tool covering thousands of stocks that shows exactly how they move over various time periods.”

That software analyzes a stock’s 10 year price history. Fink uses this software every time he makes a trade.

Overall, Fink doesn’t provide a lot of information about the software and how it works. However, he does claim to make a profit for traders 8 times out of 10- guaranteed. To convince you to buy the newsletter, Fink tells you stories about people who made thousands of dollars in just a few days by following his investment advice.

What’s Included With Personal Finance?

Your annual subscription to Personal Finance is bundled with a number of bonus eBooks and materials, including all of the following:

My Options Strategy Manual:

This book describes “the key to finding consistently profitable options trades” and Fink’s strategies that he’s perfected over the years.

Your First Easy Start Options Trade:

Want to get into options trading? This eBook will explain how to get started with options trading in 9 minutes or less.

Quick Start Online Video Program:

This video series features Fink describing the trading strategies he’s developed over 20 years in the industry. No prior knowledge is needed to follow the advice in these videos, and Fink claims that you’ll be “ahead by $67,548 or more a year from now” if you follow this advice.

How To Buy Stocks At A Discount:

This is a companion to Fink’s video training series that explains how to buy shares of stock at a meaningful discount to their current prices – so you’ll never pay normal prices for stocks again.

12 Issues Of Personal Finance:

Personal Finance is a monthly email and print newsletter. With your subscription, you’ll get the newsletter in your email inbox and in your physical mailbox every month.

Options Strategy Manual:

This describes how to intelligently participate in options trading to consistently earn a profit.

The Biggest Legal Loophole In The IRS Tax Code:

How to reduce your tax burden using a legal tax loophole available to any American.

Personal Finance Pricing

Personal Finance is priced at the following rates:

  • 1 Year: $39.95
  • 2 Years: $79

If you sign up for the two year subscription, you’ll receive all of the bonuses we mentioned above. If you just sign up for the one year program, you’ll only receive the Options Strategy Manual and The Biggest Legal Loophole in the IRS Tax Code.

In fine print at the bottom of the page, you’ll see a warning that your subscription is automatically renewed at the end of your membership. You can cancel at any time, but your credit card will be automatically charged if you don’t cancel.

Who Is Jim Fink?

Jim Fink is a Washington, DC-based investment analyst who has an active online presence. Fink is listed as the Chief Investment Strategies for Jim Fink’s Options for Income. He’s also listed as a Velocity Trader at InvestingDaily.com.

Fink is a lawyer by trade and a CFA charterholder. He claims to make money from 80% of all his trades.

Personal Finance Conclusion

Personal Finance is an investment advice guide delivered to you every month at a price of around $40 a year. In exchange for your annual subscription, you’ll receive access to a number of bonus guides and materials, including training videos, investment guides, and more.

Overall, Fink is an experienced investor with an active online presence across the investment community. You can sign up to Personal Finance to learn more about Fink’s moneymaking strategies – which include everything from biotech investments to options trading.

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