"Dad, read this..."
Dear Buzzhairs Buzzhairs, 
Today you're not going to hear from an ex-City worker, professional analyst or someone who's discovered a powerful trading technique.
You're not going to hear much from me either.
Instead I want you to watch a video by a man who doesn't subscribe to any of our publications.
Forgive him if it's a little rough around the edges – this man's not a natural speaker.
But what he has to say is very, very important.
It took us a while to get him to agree to let us show you this... he thought we were joking at first.
However, we felt he's highlighted a major problem many people approaching retirement are facing, and he expresses it far better than any of our in-house experts could.
It's a problem that might be heading your way without you even knowing it.
Take a look and see what this man has to say.
Click here to watch his video in full.
Best,
Toby Bray,
Publisher,
Money Morning
RISK WARNINGS
Before investing you should consider carefully the risks involved, including those described below. If you have any doubt as to suitability or taxation implications, seek independent financial advice.
General – Your capital is at risk when you invest in shares, never risk more than you can afford to lose. Past performance and forecasts are not reliable indicators of future results. There is no guarantee dividends will be paid. Bid/offer spreads, commissions, fees and other charges can reduce returns from investments. The FCA does not regulate certain activities, this includes the buying and selling of commodities such as gold.
Overseas shares - Some recommendations may be denominated in a currency other than sterling. The return from these may increase or decrease as a result of currency fluctuations. Any dividends will be taxed at source in the country of issue.
Funds – Fund performance relies on the performance of the underlying investments and there is counterparty default risk which could result in a loss not represented by the underlying investment.
Bonds – Investing in bonds carries interest rate risk. A bondholder has committed to receiving a fixed rate of return for a fixed period. If the market interest rate rises from the date of the bond's purchase, the bond's price will fall. There is also bond issuer default risk.
Taxation – Profits from share dealing are a form of income and subject to taxation. Tax treatment depends on individual circumstances and may be subject to change in the future.
Editor: Phillip Oakley. Information and opinions expressed do not necessarily reflect the views of other editors/contributors of Fleet Street Publications Limited. Full details of our complaints procedure and terms and conditions can be found at www.moneyweek.com
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