2022  Investment  " Game  Plan " SUMMARY																						Presented  By :
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		A.  The 2022  Investment  " Game  Plan "  Summary   contains  the  following  ETFs  using  $ 5  in  each . . .
		2022  Investment  " Game  Plan "  Portfolio  No.  1  -  Total  Investment  of  $30
		ETF Symbol				ETF Description							Recent Price				$ Amount Invested				Fraction of  1 Share Bot						Cash Paid Each Month on Fraction Share						Examples of Stocks held by this ETF
	1	DIA				Dow Jones Industrial							$340				$5				0.015						$0.01						UnitedHealth, Home Depot, Microsoft, Goldman Sachs, Visa, McDonalds, Boeing, 3M
	2	SPY				S & P 500							$434				$5				0.012						$0.01						Microsoft, Apple, Amazon, Facebook, Alphabet, Johnson & Johnson, Visa, Berkshire Hathaway
	3	QQQ				NASDAQ 100							$341				$5				0.015						$0.002						Microsoft, Apple, Amazon, Facebook, Alphabet, Intel, NVIDA, Adobe, Pay Pal
	4	CCD				Calamos Convertible							$26				$5				0.192						$0.04						SW Energy, Targa , Air Canada Bonds, UAL Bonds, Netflix Bonds, Sprint Bonds, Mattel Bonds
	5	GLO				Clough Global Opp							$10				$5				0.526						$0.06						Baxter, Amazon, BofA, Pultre Bonds, US T-Notes, Carana Bonds, Amazon Bonds
	6	GOF				Guggenheim Opp							$19				$5				0.263						$0.05						Boeing, Delta, Morgan Stanley, Pacific Beac. Bonds, Hampton Bonds, NFP Bonds
		To view all the securities including Stocks and Bonds each of these ETFs hold, go to their individual websites.
		2022 Investment "Game Plan" Portfolio No. 1 Summary
		a. Total $ Amount Invested																		$30					e. Total $ Cash Received Each Month																$0.16
		b. Total number of stock positions in the 3 Index ETFs																		630					f. Total $ Cash Received Each Year																$1.92
		c. Total number of stock positions in the 3 Monthly Pay ETFs																		Over 100					g. Total Annual Cash Received Yield on all 6 ETFs																6.40%
		d. Total number of Bond positions in the 3 Monthly Pay ETFs																		Over 300					h. Total Annual Cash Yield on 3 Monthly Pay ETFs																11.41%
		2022 Investment "Game Plan" Portfolio No. 1 History of Rates of Return
				2021							2020							2019							2018							2017								5  Year  Total
		Symbol		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return			Price Change Return		Cash Payment Return			Total Return
	1	DIA		18%		2%			20%		8%		2%			10%		22%		3%			25%		-6%		2%			-4%		25%		3%			28%			67%		12%			78%
	2	SPY		27%		2%			29%		16%		2%			18%		29%		2%			31%		-6%		2%			-4%		19%		3%			22%			85%		10%			95%
	3	QQQ		27%		1%			27%		48%		0%			48%		38%		0%			38%		-1%		0%			-1%		31%		0%			31%			143%		1%			143%
	4	CCD		12%		8%			20%		33%		11%			44%		29%		14%			43%		-18%		12%			-6%		14%		13%			27%			70%		59%			128%
	5	GLO		-4%		12%			8%		18%		14%			32%		15%		16%			31%		-24%		12%			-12%		22%		15%			37%			27%		68%			95%
	6	GOF		-6%		11%			6%		7%		12%			19%		-1%		12%			11%		-15%		10%			-5%		10%		11%			21%			-5%		57%			52%
				2021							2020							2019							2018							2017								5  Year  Total
	Totals			74%		35%			109%		130%		41%			171%		132%		47%			179%		-70%		38%			-32%		121%		44%			165%			387%		205%			592%
	Average Annual Returns			12%		6%			18%		22%		7%			28%		22%		8%			30%		-12%		6%			-5%		20%		7%			28%			13%		7%			20%
		Lets look at an example of how our $30 Investment would have worked over the past several years . . .
																								2021				2020				2019				2018				2017				5 Years
		1	$ Amount invested at the Start of the Year																					$30				$30				$30				$30				$30				$30
		2	$ Cash Dividends / Distributions  Received																					$1.92				$2.08				$2.39				$2.30				$2.29				$10.98
		3	Total Value of Fractional Shares owned at end of the Year																					$33.60				$36.50				$36.60				$26.50				$36.05				$49.25
		4	Combined Value of Fractional Shares + Cash Dividends / Distributions Recv																					$35.52				$38.58				$38.99				$28.80				$38.34				$60.23
		5	Profit on Fractional Shares bot at start of the Year																					$3.60				$6.50				$6.60				-$3.50				$6.05				$19.25
		6	Profit as % Return on $ Amount invested																					12.0%				21.7%				22.0%				-11.7%				20.2%				64.2%
		7	$ Cash Dividends / Distributions % Return																					6.4%				6.9%				8.0%				7.7%				7.6%				36.6%
		8	Combined Total % Return on Investment																					18.4%				28.6%				30.0%				-4.0%				27.8%				100.8%
		In our example, we invest the same $30 at the beginning of each year and then put the profit and dividends / distributions we received that year aside and start the next year with the same $30.  At  the end of 5 years, we would have had $60.23. Taking the original $30 we started with away from the $60.23 leaves us with a profit of $30.23, which is a 100.8% return on our original $30 over 5 years.
		2022 Investment "Game Plan" Portfolio No. 1  -  Conclusion
				By using the 3 Stock Market Index ETFs, representing the Dow Jones Industrials, the S&P 500 and the NASDAQ, this Portfolio No. 1 has 360 Stock Positions giving the investor a very diversified portfolio of stocks.  Combining these 3 Stock Market Indexes produced an ANNUAL RETURN  of 20% for the last 5 years . . but only an Average Annual 4% Yield from Dividends / Distributions.
				By adding the 3 Monthly Pay ETFs to Portfolio No. 1, we produce  an AVERAGE ANNUAL Cash Dividend / Distribution of 12% . . . But only an Average Annual Price Change of 6%.  By combining all 6 ETFs, we produce an AVERAGE ANNUAL Total Return of 20%...which includes the Price Change + the Dividend / Distributions.
		Alternative  2022  Investment  " Game  Plan "  Portfolio  No.  2  -  Total  Investment  of  $35
				This alternative Investment " Game Plan "  Portfolio  No. 2 includes 3  different Monthly Pay ETFs and adds the Gold ETF. Here are the Returns.
		2022 Investment "Game Plan" Portfolio No. 2 History of Rates of Return
				2021							2020							2019							2018							2017								5  Year  Total
		Symbol		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return		Price Change Return		Cash Payment Return			Total Return			Price Change Return		Cash Payment Return			Total Return
	1	DIA		18%		2%			20%		8%		2%			10%		22%		3%			25%		-6%		2%			-4%		25%		3%			28%			67%		12%			78%
	2	SPY		27%		2%			29%		16%		2%			18%		29%		2%			31%		-6%		2%			-4%		19%		3%			22%			85%		10%			95%
	3	QQQ		27%		1%			27%		48%		0%			48%		38%		0%			38%		-1%		0%			-1%		31%		0%			31%			143%		1%			143%
	4	CHY		13%		8%			22%		25%		11%			36%		21%		13%			34%		-2%		10%			8%		12%		11%			23%			69%		53%			122%
	5	CHW		4%		9%			13%		10%		10%			20%		33%		13%			46%		-28%		9%			-19%		30%		12%			42%			49%		53%			102%
	6	CGO		5%		8%			13%		9%		9%			18%		32%		12%			44%		-33%		8%			-25%		42%		11%			53%			55%		48%			103%
	7	GLD		-4%		0%			-4%		25%		0%			25%		18%		0%			18%		-2%		0%			-2%		8%		0%			8%			45%		0%			45%
				2021							2020							2019							2018							2017								5  Year  Total
	Totals			90%		29%			119%		141%		33%			174%		193%		42%			235%		-78%		32%			-47%		167%		40%			207%			513%		176%			689%
	Average Annual Returns			13%		4%			17%		20%		5%			25%		28%		6%			34%		-11%		5%			-7%		24%		6%			30%			24%		5%			29%
		2022 Investment "Game Plan" Portfolio No. 2  -  Conclusion
				By adding the 3 different Monthly Pay ETFs to Portfolio No. 2, we produce  an AVERAGE ANNUAL Cash Dividend / Distribution of 10% . . . But the Average Annual Price Change moves higher to 12%.  By combining all 6 ETFs, we produce an AVERAGE ANNUAL Total Return of 29%...which includes the Price Change + the Dividend / Distributions.  Adding the GOLD ETF to the portfolio does not add any monthly income as the ETF does not pay a dividend. However, GOLD is a safeguard to inflation and should help offset any down turns in the other 6 ETFs.
		B.  Now,  lets  try  to  answer  some  of  the  questions  you  have . . .
		What is the $ amount I can invest using the "Slices" Tool . . . ?
				Most of the Wall Street Firms that are offering the " Slices " tool allow investors to buy any Stock of ETF with as little as $5. Please be sure to call the Firm you are going to invest through to ask what their "Slice" Program allows. This means you can technically own pieces of all 30 Stocks in the Dow Jones Industrial Average, pieces of all 500 Stocks in the S&P 500 and pieces of all 100 Stocks in the NASDAQ 100, with $5. Since $5 is the "Minimum" investment, you can go up to whatever $ amount your are ready to invest.
		How do I place my $5 order to buy one of the ETFs in the Investment "Game Plan " . . . ?
				Each Wall Street Firm offering the "Slices" Tool may have a slightly different process. The Order Form will ask for the 1). Symbol, 2). Buy or Sell, 3). Shares or Dollar Amount…here is where you enter $5, or what ever amount you want to invest, 4). Market or Limit Price...you are allow to just buy the stock or ETF at whatever the current price is.....or you can enter a "Limit" Price that you are willing to pay for the Stock or ETF with your $5. Your "Slice" Order will end at the end of the day and most be re-entered the next day.
		What happens after I purchase the Stock or ETF I want with my $5 . . . ?
				The Wall Street Firm you use will place the fraction of the Stock or ETF you bought in your account with the fraction number you bought and the price you paid. The Value of your purchase should equal the $5 amount you used in your Buy Order. Many Firms will not charge you a commission, but you need to ask prior to placing your order.
		When can I sell what ever fractions of Shares of Stocks or ETFs I have purchased . . . ?
				There is no restriction on the fractional shares of Stocks or ETFs you purchase and you can sell the fractional share at anytime. Just place the order that you want to sell the 1). Symbol, 2). Sell, 3). Shares or Dollar Amount..in which case you can enter the fractional share amount or the $ amount, and 4). Market or Limit Price...which allows you to sell the fractional share at the current Market Price or a Limit Price that you want to sell at.  Your order will expire at the end of the day so that you will need to enter it again each day that it is not executed.
		Can I add to the fractional share of a Stock or ETF at anytime . . .?
				Yes, you can continue to purchase any Stock or ETF you already own. Some Parents or Grand Parents use this "Slices" Tool to purchase Stocks or ETFs for their children by adding to the position for birthdays, Christmas, graduation, etc. etc. etc. There is no limit.
		How much can I lose using the "Slices" Tool . . . ?
				Like any Stock or ETF, you can lose the entire amount you invest.  While this would be a very rare event, the Stock or ETF would have to go to Zero in Price. However, no matter how much the Stock or ETF you purchase loses in price, you can only lose the $ amount you originally invested. As example, if you bot $5 worth of Apple and Apple went from 180 to 0, the most you would lose is your original $5. Another advantage of using the "Slices" Tool is that you only own a fraction of a share, so any loss in the Stock or ETF would cost you only the fraction of the loss. If you own . 25 of a share of XYZ, and XYZ goes down 8 points, your loss of your original $5... is $2. Now the most you can lose is the remaining $3 of your original $5 investment.
		What is an " ETF " . . . ?
				An Exchange-Traded Fund ( ETF ) is a type of pooled investment security that operates much like a mutual fund. Typically, ETFs will track a particular index, sector, commodity or other asset, but unlike mutual funds, ETFs can be purchased and sold on a stock exchange the same way that a regular stock can.  An ETF can be structured to track anything from the price of an individual commodity to a large and diverse collection of securities.  Because ETFs are traded on an exchange just like stocks, the price will change throughout the trading day as the ETF shares are bought and sold.  The ETFs we are focusing on in our " 2022 Investment Game Plan " include the 3 ETFs that represent the Dow Jones Industrial Average, the S&P 500 Index and the NASDAQ 100 Index. These 3 ETFs hold the individual securities that are included in the 3 Major Market Indexes mentioned above. This means that investors who purchase any one of the 3 Market Index ETFs are actually purchasing all the securities in the Indexes.  The price of the ETF is determined by the collect price of all the securities the ETF holds.  As the prices of the securities held by the ETF go HIGHER, the price of the ETF goes HIGHER in relationship.
		How do "Monthly Pay ETFs" work . . . ?
				"Monthly Pay ETFs" own Stocks, Bonds and US Government Notes and Bonds that pay Dividends or Interest. The ETF collects these Dividends and Interest Payments from the Bonds and US Notes and Bonds and passes them on to the owner's of the ETF. The ETF manages to pay the owner's in a uniform monthly payment so the owner's get the same amount each month. The YIELD the ETF owner gets depends on the price the owner pays to buy the ETF. As example, if the ETF collects from the Stocks and Bonds it holds an amount that allows it to pay $ . 10 per 1 share each month, which equal $ 1.20 per year . . .then the YIELD the ETF owner gets is based on the price the owner paid for the ETF.  If an investor buys the ETF at a price of $15 per 1 share, and he gets $ . 10 per 1 share a month, the YIELD he is receiving is 8 %...$ 1.20 divided by $15 equals 8% Annual Return.
		How do I get my monthly payments on the ETFs I purchase . . .?
				After you invest your $5 or any amount in an ETF, it will sit in your account at your Wall Street Firm. The ETF gets a list of all new owners so they know to send your monthly payment to your Firm. If the ETF pays $.10 per 1 share each month, and you own .25 fraction of 1 share, you would receive $ .025 each month. That amount is sent to your Firm, it will show as  $ .025 cash sitting in your account. You will be able to draw it out, transfer it to your bank or use it to purchase more fraction shares. You will continue to receive the cash payment to your account each month as long as you hold the ETF.  When you sell the ETF, you no longer are eligible to receive the payments.
		Can my monthly cash payment of the ETF Dividend / Distribution Change . . .?
				Yes, since the ETF collects the dividends and interest payments from the Stocks, Bonds and US Treasury Securities it holds, it is subject to any change in those dividends or interest payments it received. As example, if Apple Stock lowers the dividends it pays, then the ETF will get a little less from the Apple Stock it holds and therefore has to lower the payments it pays out to the holders of the ETF. If a Bond calls the Bond issue held by the ETF, that interest payment stops until the ETF buys a replacement Bond. The replacement Bond it buys may have a little lower interest payment that the ETF collects which will cause the payment to the ETF holders to be a little lower as well. Therefore, it makes sense to look at the history of the monthly payments an ETF makes to determine if the monthly payments have been steady.
		How is the "Yield Return" I get, calculated when I buy a Monthly Pay ETF and can it change . . . ?
				There are two (2) factors in determining the "Yield Return" you will receive when you purchase a Monthly Pay ETF.  No.1 is the Price you pay for the ETF and No.2 is the monthly payment the ETF is currently paying out to holders of the ETF. Since Monthly Pay ETFs are just like any Stock or ETF, it's price changes during the time the market it is traded on is open..usually 9:30AM to 4PM EST. Lets look at examples. If XYZ ETF is trading at a price of $10 and it pays out $ . 08 a month per 1 share....that works out to $ . 96 per year per 1 share. Since you can buy this ETF at $10, and you receive $ . 96 a year in cash payments, the "Yield Return" you receive is $ . 96 divided by $10 which equals 9.60% Annual Yield. If you were able to purchase this ETF at $8, the $ . 96 annual cash payment you would receive would equal 12% Annual Yield. Once you purchase a Monthly Pay ETF, the "Yield Return" you receive does NOT change....unless the ETF changes the monthly cash payment it makes to all holders of the ETF. If the ETF lowers the Monthly Cash Payment, then your "Yield Return" will go DOWN. You would divide the new Annual Payment by the price you originally paid for the ETF. And if the ETF raises the Monthly Cash Payment, then your "Yield Return" will go UP.
					Hink: To help with the Annual Dividend / Distribution Cash Payments for last 10 years…. and the monthly paymnet amount, go to :
					www.securesite5.com/monthlypayments.html
					Hink: To View the Highest Annual  " Yield Returns " sorted by Yield and ranging between  13.5 % to 4.7%, go to :
					www.securesite5.com/ETFYields.html
		Remember , past performance does not guarantee future success.  While the average returns in the stock market major indexes has been respectable over long periods of time, there have been some individual years like 2018, 2015 and 2008 when the major indexes were negative for the year.  Never invest more than you can afford and always consult with an Investment Advisor.
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