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Behavioral Strategies Conference 4.0
May 2012
Behavioral Strategies Conference 4.0--SOLD OUT!...keep reading

The Mother of All Perverse Indicators
September 2011
It became inevitable, as the horror show of August played out, that the bubble in gold had become so manic, and the hatred and loathing of mainstream equities so universal, that the leading gold bullion ETF--SPDR Gold Trust--must at some point, however briefly, exceed the market capitalization of the SPDR S&P 500 ETF....keep reading

Ask Nick October 2003
October 2003
Ask Nick...keep reading

June 2001 PDF Newsletter
Nick Murray
June 2001 PDF Newsletter...keep reading

January 2010 PDF Newsletter
Nick Murray
January 2010 PDF Newsletter...keep reading

Where The Cash Is
February 2012
Have a look at this chart, which recently came across my desk from Strategic Insight, the mutual fund research firm, based on Federal Reserve flow of funds data. Different observers seem to count cash in different ways, but what's particularly interesting here is not just the stupendous level of cash, but the internal trends....keep reading

Client's Corner: How Much Have You Really "Lost"?
January 2009
...Seems like a nice, tidy sum, does it not? And what, you ask, does it represent? Well,......keep reading

The Undead Myth of the Failing Dollar
April 2026
April 2026...keep reading

At Least We're Not Europe, And That's No Small Achievement
September 2018
At Least We're Not Europe, And That's No Small Achievement...keep reading

April 2008 PDF Newsletter
Nick Murray
April 2008 PDF Newsletter...keep reading

Reminder NMI Posting Schedule
August 2023
August 2023...keep reading

Squibs July 2018
July 2018
Squibs July 2018...keep reading

Reminder: The Spartans’ Autumn Gathering and Replay
June 2024
June 2024...keep reading

FACTOID OF THE MONTH: The U.S. Now Has More Millionaires Than Sweden Has People
April 2019
FACTOID OF THE MONTH: The U.S. Now Has More Millionaires Than Sweden Has People...keep reading

Ask Nick October 2011
October 2011
Q: I have been reading your NMI monthly newsletters for some time now and pleased to report that geography makes little difference to the core messages...
A. I was surprised and delighted at the volume and intensity of reader response to "Rebecca's Riverkeepers" in last month's edition...

Q. I seem to be getting an increased incidence of questions regarding...
A. Devil theories tend to spring up like...
...keep reading

Client's Corner: Ten Thousand People A Day, With One Choice To Make
February 2011
On April 7 of this year--which was also our mother's birthday--my baby sister Kay will turn 65 years of age....keep reading

Who Said It?
January 2018
Who Said It?...keep reading

Editor's Notes September 2014
September 2014
Editor's Notes...keep reading

The Unvarnished Truth Always the Best "Script"
November 2007
Elsewhere in this issue is a question from a new subscriber, who represents a very fine old Midwestern insurance giant -- a firm which has, over the past several years, invested very significant resources in the building of a competitive financial planning platform for its agents....keep reading

Ask Nick September 2009
September 2009
Q: I very much like your idea of showing people the actual chart of post-WWII ...
A: I do, and here it is (top right). It's simply the bear market chart that appears on ...
Q: My client is 50 years old and his wife is 46. He has $2.5 million in investable ...
A: After marveling, as I always must, at the spectacle of a subscriber to this ...
Q: I just got out of a first meeting with a new potential prospect. I walked through ...
A: I don't remember ever writing about this--it's still not that common an ...
Q: In your books, you talk a lot about having a knowable span of control, the ...
A: This is almost a "who are you?" question. I don't mind answering the question ...
Q: What do I say to people who have followed the basic diversification plan and ...
A: There are no new realities. This was the hundred-year flood, a panic on a ...
Q: I have a meeting tomorrow with a retired client who feels he needs to meet ...
A: From what ...keep reading

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  -- from a 39-year veteran advisor
  
  "I am writing to thank you for the essay "The Truth Versus The Darkness" (NMI November '23). I think this is among the very best of your work, and I will revisit it regularly. I am thankful for your insight. "
  
  -- from a third generation advisor
  
  "Thank you for being our beacon, our guidepost, our lighthouse and the only public (or semi-public) voice of reason and intelligence. [Responding to the July 2023 Client's Corner "The end of the world has been inexplicably postponed. Again."]
  
  -- from a marathon-running grandfather of nine
  
  "This month's (July 2022) Client's Corner ("We're in a bear market. You need to ask yourself one question.") was the best one ever. I had our entire team do your "stocks vs. companies" exercise, and we're preparing to get it out to all our clients. Thanks for giving us the model, the resources, the wordsmithing and just the common sense to look around and see that all of history tells us exactly what we should be doing with our clients."
  
  -- from a 22-year veteran advisor (and 17-year NMI subscriber) in the Midwest
  
  I am coming up on 40 years in the life insurance business. Two or three years in, I secured my securities licenses and started reading your books. They diversified my portfolios of my life clients. Your books and newsletters changed my career as well as my income. I thought I learned a lot in grad biz school but you taught me how to treat clients as people. We are both aging in place (I am now 73). God bless you for what you have done for my family and my clients.
  
  -- from a similarly aging veteran
  
  My wife and I have been financial planners since 2014 and I've been a subscriber for 4-5 years now. There is not a doubt in my mind that reading your work and adopting your philosophy was the inflection point in my career. I can truly say that I'm happily doing well by doing good. And I feel that I owe it all to you.
  
  -- from a Pennsylvania subscriber
  
  Your common-sense, fact-based newsletter is invaluable to all the advisors it serves, and to the clients to whom we send your Client's Corner essays.
  
  -- from a 40-year veteran advisor and longtime subscriber
  
  My impact on the world has been made richer because of your impact on me and my team. I may never be able to deliver those words in person, so I didn't want any more time to pass before sending them along.
  
  -- from a prominent woman advisor and team leader in the Southeast
  
  I've recently reframed how I communicate my value to clients. I got almost all of this philosophy from you. This year [through April] I've already brought on more new AUM than I did all of last year, and my short-term pipeline is 10X what it has ever been before. Just wanted to say how impactful your work has been to me and my clients.
  
  -- from an insurance-based financial planner
  
  I ended my years of procrastination and subscribed yesterday. Missing your newsletter in my practice is probably akin to an investor staying in cash since 2009. Thank goodness you have an archive. This great profession of ours owes you a debt of gratitude.
  
  -- from a brand new subscriber
  
  ...more

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NMI Home
- MANAGE YOUR ACCOUNT
- NMI HOME
  
  CHECK YOUR RENEWAL DATE
About Us
SUBSCRIPTION
- Purchase new or renewal subscription:
  
  NEW/RENEW SUBSCRIPTION
  
  Transaction Receipts
  
  FAQs
SUBSCRIBE NOW
- You'll get instant access to the current edition of the newsletter, plus over 25 years of archives!
  
  Subscribe Now
Seminars
- The Effective Seminar
  
  Retirement Income
  
  Fifty Years, Three Bear Markets
  
  Three Emotional Pitfalls in Long-Term Equity Investing
  
  The Price of Admission
  
  Purchased Seminars
GIFT SUBSCRIPTION
- To Purchase a Gift Subscription for someone else:
  
  PURCHASE
  
  and then indicate
  
  RECIPIENT INFORMATION
ASK NICK
- Ask Nick
SUBSCRIBERS SAY
- Testimonials
- Your 50-year economic/market/global summary ("A Story of Five Decades 1975-2025") was worth whatever I paid for the yearly subscription, and I will memorize it.
  
  -- from one of our longer-term and more thoughtful subscribers
  
  " In a 50-year career and as a longtime subscriber: there is no publication that has provided more value and wisdom to the advisor population than your newsletter. Invaluable. "
  
  -- from an advisor since August 1976
  
  " This year has been especially challenging given politics entering the conversations like none I have ever seen. I turn to you [via NMI], and you always have the right words for us. Sincere appreciation for always being in our corner."
  
  -- from a 34-year industry veteran
  
  "Your concept of The Package (December 2024) has been absolutely oxygenating and energizing for me. Clients are expressing increased confidence in our plan and my stewardship. Sincerest gratitude."
  
  -- from a 16-year industry veteran
  
  "I reach out today to let you know the annual client letter you authored (NMI January '24) and encouraged us to share with clients is a masterpiece. I wasted no time distributing it to my clients, and their positive responses have been encouraging."
  
  -- from a 39-year veteran advisor
  
  "I am writing to thank you for the essay "The Truth Versus The Darkness" (NMI November '23). I think this is among the very best of your work, and I will revisit it regularly. I am thankful for your insight. "
  
  -- from a third generation advisor
  
  "Thank you for being our beacon, our guidepost, our lighthouse and the only public (or semi-public) voice of reason and intelligence. [Responding to the July 2023 Client's Corner "The end of the world has been inexplicably postponed. Again."]
  
  -- from a marathon-running grandfather of nine
  
  "This month's (July 2022) Client's Corner ("We're in a bear market. You need to ask yourself one question.") was the best one ever. I had our entire team do your "stocks vs. companies" exercise, and we're preparing to get it out to all our clients. Thanks for giving us the model, the resources, the wordsmithing and just the common sense to look around and see that all of history tells us exactly what we should be doing with our clients."
  
  -- from a 22-year veteran advisor (and 17-year NMI subscriber) in the Midwest
  
  I am coming up on 40 years in the life insurance business. Two or three years in, I secured my securities licenses and started reading your books. They diversified my portfolios of my life clients. Your books and newsletters changed my career as well as my income. I thought I learned a lot in grad biz school but you taught me how to treat clients as people. We are both aging in place (I am now 73). God bless you for what you have done for my family and my clients.
  
  -- from a similarly aging veteran
  
  My wife and I have been financial planners since 2014 and I've been a subscriber for 4-5 years now. There is not a doubt in my mind that reading your work and adopting your philosophy was the inflection point in my career. I can truly say that I'm happily doing well by doing good. And I feel that I owe it all to you.
  
  -- from a Pennsylvania subscriber
  
  Your common-sense, fact-based newsletter is invaluable to all the advisors it serves, and to the clients to whom we send your Client's Corner essays.
  
  -- from a 40-year veteran advisor and longtime subscriber
  
  My impact on the world has been made richer because of your impact on me and my team. I may never be able to deliver those words in person, so I didn't want any more time to pass before sending them along.
  
  -- from a prominent woman advisor and team leader in the Southeast
  
  I've recently reframed how I communicate my value to clients. I got almost all of this philosophy from you. This year [through April] I've already brought on more new AUM than I did all of last year, and my short-term pipeline is 10X what it has ever been before. Just wanted to say how impactful your work has been to me and my clients.
  
  -- from an insurance-based financial planner
  
  I ended my years of procrastination and subscribed yesterday. Missing your newsletter in my practice is probably akin to an investor staying in cash since 2009. Thank goodness you have an archive. This great profession of ours owes you a debt of gratitude.
  
  -- from a brand new subscriber
  
  ...more
LATEST ISSUES
ARCHIVES
EBOOKS
- Click HERE to access the ebooks that you purchased.
  
  Click HERE for tips on how to use our eBooks' flipbook format
Hardcover Books
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- Click HERE to contact Tech Support.

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