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Jim Lowell is the Editor of the Fidelity Investor, Fidelity Sector Investor, and ETF Trader newsletters, and is also the chief investment strategist for Adviser Investment Management, Inc., a private money management firm. A recognized authority on mutual fund and retirement-oriented investing, Lowell is the featured online investing columnist for the Investment Advisor magazine. He's also the author of the comprehensive financial books, How to Survive in the Real World, Investing From Scratch, and Smart Money Moves.

Lowell has written and lectured extensively on investing and personal finance for national magazines, TV, radio, and on-line media. Most recently, he was the Editor-In-Chief of FundsNet Insight, a leading national mutual fund newsletter. Jim Lowell was the Senior Writer at Financial Planning Information, where he produced several major personal financial planning books for Jonathan Pond, including The New Century Family Money Book, The ABCs of Money Management, and 1001 Ways to Cut Your Expenses. He was also the senior financial reporter for Investment Vision and Worth at Fidelity.

The Fidelity Investor (FidelityInvestor.com) investment newsletter uses a proprietary method to help subscribers evaluate, select, and invest in Fidelity funds. Jim Lowell offers four model portfolios: Aggressive Growth, Growth, Growth & Income and Capital & Income. He gives buy-hold-sell advice on 240+ Fidelity funds (including Fidelity's "Advisor" load funds offered through financial advisors, and Fidelity's variable annuity products), as well as giving monthly commentary on topics like tax efficiency, risk parameters and twice-yearly exclusive Fidelity manager rankings. In Lowell's advice on Fidelity's 41 sector funds, called Select funds, he rates these funds based on his fundamental analysis of the fund, the manager and the sector.

The Fidelity Sector Investor (FidelityInvestor.com) investment newsletter is Jim Lowell's separate weekly technical trading service that holds seven sector funds in distinct categories (Consumer, Cyclicals, Health Care, Financial Services, Technology, Utilities, Regional International) and switches among funds in each category based on a technical trading system -- i.e., the numbers tell subscribers when to make the trades. This is an aggressive weekly trading plan -- it doesn't trade every week but when trades are signaled, subscribers must make them the next day. The newsletter is sent by e-mail or fax every Thursday night. Fidelity Sector Investor also has a second portfolio called "Aggressive Growth", holding only three aggressive growth sector funds, using a similar trading system.

Fundworks, Inc.
P.O. Box 920477
Needham, MA 02494
1-800-718-8291

The goal of the ETF Trader (found at MarketWatch.com) is to stay on top of the entire universe of ETFs, and place investments in the best-performing ETF sectors at all times. The heart of ETF Trader is the Lowell Technical Trading System, which is based on Jim Lowell's years of investment research. The system is a method for maximizing investments while minimizing downside risk. The system is completely driven by mathematics. It analyzes sector performance and determines which sectors are outperforming others. It calculates results without subjective interpretation.

MarketWatch, Inc.
825 Battery Street
San Francisco, CA 94111

The above description was assembled using information from the publisher's site. All registered or unregistered trademarks referenced herein are the property of their respective owners, and no trademark rights to the same are claimed.

There are quite a variety of investment newsletter services available to investors today, which achieve a decent track record. In reality, however, many newsletters have not translated well for most investors that subscribe to them. The reason? Money management. Without the proper position sizing using the right money management tool, you are only dealing with half the formula for success.

Let's face it: if there was one consistently successful investment newsletter, then the word would spread rapidly, and that one investment newsletter would have more customers than the population of China. The reality is that there has never been such a success. Why? Because in the final analysis, 8 out of 10 investors fail due to one simple reason: position sizing.

The majority of investors who subscribe to investment newsletters think that the process is as simple as "Just give me your recommendations and let me become as successful as you are". Unfortunately, as money managers know, entry points account for very little in the overall success of a portfolio. Find out why!