If you are unhappy with the returns you are getting from your investments then you can just roll over and accept that situation or you can try to do something to change it.

It’s a simple fact that the vast majority of people who try to change the situation, spend their time seeking out investments that give bigger returns.

The problem with that approach is that increased reward goes hand in hand with increased risk.

But there is another way that you can grow your investment returns that does not increase your risk.

In fact, it does the exact opposite…it lowers your risk!

My Investment Returns Formula

I’ve never seen this formula written anywhere…it is one I have developed myself.

It’s a very simple formula that makes perfect logical and intuitive common sense.

Here it is:


Simply explained, the returns that you get from your investments is the product of two things:

  1. The returns from the investments themselves
  2. The ability of the investor to select better investments

The Investments Component

Risk and reward go hand in hand.

If you have ever tried to borrow money from a banker or to raise money for a business then you’ll understand this.

The bigger the risk of you not paying the money back to the lender or investor, then the higher interest rate or the bigger equity stake they want from you in exchange for lending you the cash.

In other words, the bigger YOU are as a risk to their money, the bigger return they want in exchange.

So it is when you are the investor.

The reason that you are able to get bigger returns on some investments than others is because they have to offer you a bigger return to compensate you for the higher risk.

That is, there is a higher risk of you not getting your money back.

And of course, if you don’t get your money back, or you don’t get all your money back when you sell your investment, then you will be worse off than you would have been had you plumped for a steady, boring safer investment.

So it can feel like catch 22 can’t it?

You want bigger investment returns, but you don’t want to take more risk with your money than you have to.

So is there anything you can do about this?

Well…funny you should mention that…

The Investor Component

Let’s take a look at the second component in my formula.

If you have already gone beyond saving and started investing, then the chances are that you have followed the advice of the “Financial Services Industry” and invested in a pension retirement account or mutual funds such as unit trusts, investments trusts, exchange traded funds, trackers, etc.

In all these cases, you are investing in the stock market by proxy.

In choosing a pension provider or mutual fund, you have appointed an investor to buy and sell stocks and shares in the stock market on your behalf.

Essentially, YOU have outsourced your investing decisions to bankers, fund managers, etc. instead of doing your own investing yourself.

In this case, my formula can be written as…


because the INVESTOR in the original formula is replaced by (MANAGER x YOU).

In essence, you now have two variables affecting your investment returns that are outside of your control – the investments themselves and your investment manager.

But you do have control over the appointment of the pension provider or fund manager because they are chosen by you and you are usually free to change them.

Of course, if you are managing your investment portfolio yourself, then the formula becomes:


Now you have total freedom to choose your own investments and the only things outside of your control are the investments themselves.

This in itself has already lowered your overall risks to your investment returns, just by reducing the number of variables.

Now, I know what you’re thinking…

But I can’t manage my investments as well as the “experts” can.

Well, you don’t have to…and here’s why…

Your Investment Costs Are Lower

Cutting out the “middlemen” reduces your investment costs dramatically.

Hence, to break even and achieve the same level of returns to you, the returns you get from your investments don’t need to be as high.

But that’s not the only thing you can do.

You Can Grow As An Investor

When you grow as an investor, you develop a better feel for where you should be investing your money and where you shouldn’t.

You get better at spotting the warning signs of bad investments.

You get better at timing your investments i.e. when to buy and sell.

You get better at allocating your available funds among the different kind of investments, sectors, geographic regions, etc.

In short, you lower the risks of your investing by becoming a better investor.

Put simply, if you want to get better returns from your savings and investments then you need to become a better investor.

How To Become A Better Investor

One way to do this would be to take a look at my 7-week training and coaching programme:

X to 3X in 7 – Start Tripling Your Investment Returns In 7 Weeks Or Less

It combines online video tutorials, structured exercises, downloadable worksheets and various methods of mentoring/coaching to get you started investing in company shares for the first time.

It helps you to get your finances under control and in the ideal position to start investing.

It helps you to devise your own investment strategy, select a stock broker and buy shares.

It even teaches you several methods of researching company shares before you buy them.

Unlike most other training programs, it shows you how to apply your new knowledge to your own unique situation.

It transforms you from a saver or an outsourcer, into a proper stocks and shares investor.

It helps you to achieve all of this in just 7 weeks or less.

And all you have to do to find out more about this unique programme is to click here.

It even comes with a full money back guarantee, so you’ve nothing to lose by giving it a try.