Tag Archives: retirement savings

Does Your Retirement Account Need a Boost?

Do you need  to boost your retirement savings?

Let me show you how RYZE.Ai and Hodo Global may help.

Are you saving enough for retirement? Are you confident you will be able to enjoy the retirement you will have worked an entire lifetime to earn? If not read on and I will show you one way to help you boost your earnings and grow your account faster.

If the answer above was no, don’t feel alone. Most Americans now find themselves in this predicament of not having enough savings for retirement. If you are one of them don’t despair. There is probably enough time to recover even if retirement is only 5 years away. My goal in this post is to show you a way to accomplish the recovery and help provide financial security in your golden years.

Why do I say you aren’t alone?

If you are like many people your retirement savings are look very bleak. According to CNBC the median amount of savings an American between 50 and 55 years old is $8,000 and between 56 and 61 years old is only about $17,000. The graph below shows the median savings at various age brackets over a recent 15 year period. You will notice how the financial crisis devastated the average person’s retirement savings. This graph is only through 2013 and my guess would be that the average has continued its upwards trend since then but the averages are still nowhere near where they need to be.


CNBC Retirement Graph

CNBC Retirement Graph


How much do you need?

What people think they need:

Okay, we have determined that most people don’t think they have enough saved for retirement, but how much do they think they need? According to a report in Merrill Edge people have widely different ideas of what they will need, as shown in the graph from the article shown below.

How much do you think you will need? Are you on a path to get there?

Retirement Need

What People Think Their Retirement Needs Are


What experts say you need:

To be financially ready to retire by 67, retirement-plan provider Fidelity Investments says you should aim to have eight times your salary saved by age 60.

The answer is highly personal, and specific dollar amounts can be arbitrary, but according to retirement-plan provider Fidelity Investments, a good rule of thumb is to have 10 times your final salary in savings if you want to retire by age 67. Full article here.

Fidelity also suggests a timeline to use in order to get to that magic number:

  • By 30: Have the equivalent of your salary saved
  • By 40: Have three times your salary saved
  • By 50: Have six times your salary saved
  • By 60: Have eight times your salary saved
  • By 67: Have 10 times your salary saved

What about social security?

Many people seem to be relying almost entirely on social security. According to the Motley Fool article, “Americans’ Average Social Security Benefit at Age 66“, the average American who begins collecting at age 66 collects $1,404 per month. Yes, you read that right, $1,404 per month. Are you one of those people who are looking at meager retirement savings? Can you realistically survive on $1,404 per month in your retirement? I think most people will say no.

How do you recover?

After looking at the numbers above and looking where you are today, many people will wonder; “How do I recover?”. I will attempt to show you one possible path below that has two components. The first is to make sure your money is working for you. Just as Warren Buffet says in his famous quote, “If you don’t find a way to make money while you sleep, you will work until you die.”, you need your money working for you while you sleep. The second is to increase your earnings. Together these can transform your future.


Let’s say you had the opportunity to use an automatic, hands-free artificial intelligence algorithm to trade currencies and earn money to grow an account. Let’s say that this program was available to you with a starting mount of as little as $500. Yes, the type of program that was formerly the exclusive domain of investment banks, hedge funds and very high net worth individuals is now available to you through a company called Hodo Global and a program called RYZE.Ai. While past performance does not guarantee future results, the returns have been excellent in the past. Some recent weekly results are shown below:


REZI.AI Weekly Performance as of April 14, 2017

Also, let’s say you have ten years until you want to retire and that you could start with $2,000 to start a new or supplemental account to what you already may have. A hypothetical example is shown below that illustrates the weekly growth using results similar to those above. The growth below does not factor taxes into account. It assumes you are using a tax-deferred account.

Sample Account Growth

Sample Account Growth


Using this example, the account illustrated above, which started with only $2,000, would generate approximately $725 per week in proceeds to the owner after 10 years. That’s almost $3,000 per month in potential income. Add in social security(using average)  and you are up to $4,400 per month. Does that sound better?

Note: Past performance is no guarantee of future results and there is no guarantee that RYZE.Ai will continue to generate then level of performance it has recently. Actual performance may vary from the example above.

This example is only meant to illustrate that a recovery is possible.

To learn more about RYZE.Ai watch the videos below and attend the Thursday RYZE.Ai Webinar.

Time to RYZE

RYZE.AI Videos

How else could Hodo Global and RYZE.Ai help?

You have the opportunity to have a business of your own through Hodo Global as well. This gives you multiple additional benefits. First, if you earn from your business it gives you more funds to save. For more information on how a Hodo Global business works click here or click on the image below to watch some indroductory videos. You can also attend a Monday Hodo Global Webinar for more information. With the tools provided you can build a business that can help you achieve your financial goals and realize the type of retirement lifestyle you deserve. However, you must take action and start. The results you get are dependent upon the effort you put into the endeavor.

Hodo Global Business Overview

Hodo Global Business Overview

Secondly, having a business allows you to take advantage of tax deductions that may not be available to you now. These leave more money in your pocket which also can be used to increase your savings.


The RYZE.Ai technology from Hodo Global may be something that can have significant value for you. If you are interested, please watch the videos, attend a webinar or drop me an email at Xin@FXTradingIncome.com and we can set up a time to talk.

If you found my article interesting, please Like, Share and leave me a comment below!



Zin Zhang - Hodo Global

Zin Zhang – Hodo Global