Investing Daily has several services under its brand, but Personal Finance is the publisher’s longest-running service with a 44-year run. Our Investing Daily Personal Finance review takes a deep dive into this legendary service and tells you if it’s worth your time.
Personal Finance Review: Overview
Personal Finance is a top-tier research service under the direction of Jim Fink, a 20-year options veteran with more than $5 million worth of personal profits under his belt.
Under Jim’s steady hand, Personal Finance targets low-key opportunities with a simple options trading system that anyone can learn quickly.
According to Investing Daily’s website description, this service’s strategy targets safe, highly-profitable investments.
This balanced approach has helped the service amass tens of thousands of subscribers over the course of its four-decade-plus run.
In fact, Jim says his system is so simple and steady that it’s almost boring. However, these consistent, small-ball gains add up to significant wealth over time.
To help you on your way, Jim Fink sends you weekly trade recommendations and alerts. This is like your roadmap to the market, and it’s updated every week.
Jim also keeps you updated on the latest market-moving news, so you’ll always be ready for what the market throws at your next.
Under the latest deal, you also get a slew of bonus materials when you join.
It’s a lot to process, but don’t fret. Stay tuned because we’re gonna review the latest deal fully in our Personal Finance review.
Jim Fink Review
Jim Fink is an investment analyst for Personal Finance. He also runs two more services under the Investing Daily banner: Jim Fink’s Options for Income and Velocity Trader.
Fink has been a hard-working dynamo since his college days. He has a bachelor’s degree from an Ivy League university; Yale, to be exact.
After Yale, he went on to obtain a master’s degree from Harvard’s prestigious Kennedy School of Government, a law degree from Columbia University, and an MBA from the University of Virginia’s Darden School of Business.
That’s an impressive array of degrees for any office wall. Clearly, Fink is a smart cookie, but how are his trading credentials?
As you may have guessed, his trading track record is equally impressive. He started trading options more than 20 years ago, and he got so good at it that he decided to do it full-time.
After he attended business school, Jim started trading options full-time, and the rest is history.
Now, Jim Fink has settled into his role as a research guru, and Personal Finance’s popularity is a testament to his stock-picking skill.
Investing Daily Review
Investing Daily publishes Personal Finance and a number of other premium research services, including Mayhem Trader and Options for Income.
This service is one of the OG’s of the research space. As we mentioned before, Personal Finance has been going strong for 44 years.
Investing Daily’s second-oldest service, Utility Forecaster, has also had an impressive 29-year run.
That type of stability is a rare sight in the retail research industry. An unreputable or ineffective service would have a tough time staying around for that amount of time without frequently rebranding itself.
Investing Daily is a privately-held, U.S. company. Resultantly, they adhere to the U.S.’s staunch consumer protection and ethics regulations, so you can join with the assurance you’re dealing with a trustworthy company.
With a multi-decade track record, Investing Daily is clearly doing something right, and Personal Finance is their longest-running premium service. That’s a tough combo to beat.
Investing Daily Personal Finance Review: What’s the Deal?
Personal Finance has a few subscription tiers, but here’s an overview of what’s included with the best package.
- Personal Finance Newsletter
- “My Options Strategy Manual”
- “Your First ‘Easy-Start’ Options Trade”
- My Quick-Start Online Video Program
- Comprehensive Money-Back Guarantee
Personal Finance Newsletter Review
The Personal Finance newsletter is the crux of the service. This is where you can find the latest trade recommendations and the week’s biggest market-moving news.
Unlike many competitors that simply follow the latest trends, Personal Finance scours the market for diamond-in-the-dirt stocks.
These under-valued opportunities can sometimes turn around for sharp gains. Best of all, Personal Finance’s trading strategies can perform well even when the market is tanking.
During the stock market’s worst crash since 1929, the S&P 500 was in steady decline for about 10 years between 2000 and 2010.
Personal Finance subscribers had the opportunity to gain almost 70% during this historically horrendous period, demonstrating this service’s ability to perform in the worst possible market conditions.
Every week, these recommendations have the potential to lead you to regular gains in the options market. With some practice and a little luck, you could be cashing in every week.
“My Options Strategy Manual”
Under the current deal, you also get access to Jim Fink’s My Options Strategy Manual when you join Personal Finance.
This report is like Fink’s options trading Bible. Inside, he reveals lays out his options trading system in explicit detail.
You’ll learn everything you need to take on the options market and then some. Fink takes you through his system step-by-step so you can understand the entire process from beginning to end.
With Fink’s Options Strategy Manual, you’ll be making effective options trades in no time.
“Your First ‘Easy-Start’ Options Trade”
Options trading can be intimidating to start, but it gets a lot less intimidating as soon as you make your first trade.
To help you make the leap, Fink is including a bonus recommendation and trade blueprint to help you navigate the process.
As soon as you sign up, Fink will send you one of his favorite options trade recommendations that you can use right now. Then, he’ll walk you through the trade, step-by-step.
If all goes well, the entire process takes fewer than 9 minutes to complete, so you can get right back to your busy day.
One trade can help totally dispel your options trading anxiety for good, and this guide makes it easy to get your feet wet in the options market.
My Quick-Start Online Video Program
Fink’s comprehensive quick-start video program draws on 20-plus years of trading experience.
This course covers all of Fink’s most powerful options trading secrets and shows you how to put them to work in your portfolio.
These same strategies helped Fink make millions by trading options for consistent income. Best of all, it’s simple enough for even the most novice beginners to pick up quickly.
If you attend these courses and pay close attention, you will have tons of new trading techniques to add to your repertoire.
Money-Back Guarantee Review
Personal Finance has a remarkably strong money-back guarantee policy that should assure any remaining skeptics of this service’s credibility.
Most research services only give you 30 days to try their services, but Investing Daily goes a lot further.
With Personal Finance, you’re covered for 90 full days under their 100% money-back guarantee. Best of all, there’s no fine print.
All you have to do is give the customer service department a call, and they’ll refund your entire description.
Even after the 90 guarantee expires, you can still cancel and get a prorated refund for the remainder of your subscription.
Quite frankly, that’s unheard of in the research service space. The fact that Investing Daily offers such a robust protection policy with Personal Finance is a true testament to its belief in the product.
You can buy Personal Finance with confidence because you’re covered with one of the best satisfaction guarantees in the business.
Investing Daily Review: How Much Does Personal Finance Cost?
Under the latest deal, Personal Finance is available in three different subscription tiers.
The entry-level package, Basic, comes with a digital subscription to the weekly newsletter service and that’s it. You don’t get the aforementioned bonus reports with this package.
Next, is Standard. Quite honestly, this service isn’t your best option. It goes for $129 and, although it includes both a print and digital subscription to Personal Finance, it doesn’t include the reports either.
Finally, Premium includes a print & digital subscription to Personal Finance, plus both bonus reports. You also get an additional.
This package can cost as much as $199, but you can nab it on markdown for just $79 under this special offer.
You’ll get all the bonus reports mentioned above, plus two more: “The Biggest Legal Loophole in the IRS Tax Code!” and “The Biggest Legal Loophole in the IRS Tax Code!”
To review, Basic comes with just a digital newsletter subscription and nothing else for $49. Premium includes a digital & print subscription plus a total of four bonus reports for $79
Which Subscription Option is Best for Me?
Really, it comes down to personal preference. Are you interested in checking out the bonus reports? If so, you should go for Premium. It’s a good collection of research and it’s only $30 more than basic.
However, if you’re not going to read them, then you should be okay with basic. But, you will get the most out of the system if you read the reports because they include important information about the trading system.
If you’re a beginner, you should probably go with the Premium package, but expert options traders can get by with Basic just fine.
Is Investing Daily Personal Finance Right for Me?
Personal Finance is a respected member of the research community. It has a lengthy track record of performance, and it’s earned a loyal following among its users.
A balanced research service like this has a very broad appeal, so it’s a good all-around fit for just about anyone. However, it’s a particularly good option if you fall into these categories:
Interested in Options
So, you want to learn how to trade options? This could be your best option. It’s a relatively simple system compared to some of the super-complicated strategies favored by less reputable competitors. Personal Finance’s system is so easy that even a total beginner can learn it comparatively quickly.
Seasoned Stock Pickers
Stocks are just the beginning of the investing rabbit hole. Options give you access to a whole new world of sophisticated trading strategies. If you’re an advanced stock trader, you’re missing out on a lot by not trading options. With Personal Finance, you’ll be slinging puts and calls in no time.
Options can be VERY risky if they’re not utilized properly. It’s one of the reasons many people avoid them. Fortunately, Personal Finance takes a balanced approach to options trading.
Instead of trying to knock the ball out of the park on every trade, Personal Finance shows you how to make consistent profits from predictable fluctuations in the stock market.
The premium package includes a wealth of additional resources that are particularly valuable for beginners. Fink’s reports give you an end-to-end introduction to options trading. They also include information that can minimize your tax costs, sharpen your stock-picking skills, and more.
Investing Daily Personal Finance Review: Pros & Cons
Like any service, Personal Finance has its ups and downs. Here are the best and worst things we could find about the service.
- Affordable price point
- Robust educational component; perfect for beginners
- Includes weekly market updates and trade recommendations
- A balanced strategy that emphasizes small, consistent gains
- Provides a step-by-step walkthrough of the entire options trading process
- Multiple subscriptions tiers give you the freedom to get what you need and nothing more
- Premium includes both print and digital copies of Personal Finance
- Access your Personal Finance dashboard from anywhere from your phone
- Bonus report includes detailed information on an INSANE tax hack
- One of the best money-back guarantees in the industry
- Limited focus, options only.
- Could be too tame for aggressive risk profiles
Is Investing Daily Personal Finance Worth It?
We haven’t run into many research services with this long of a track record. Personal Finance has been kickin’ butt and taking names for over four decades and it’s still going strong.
The basic package is a fair value at just $49, but Premium gives you the most bang for your buck.
In addition to print AND digital copies of each issue of Personal Finance, Premium also includes a robust collection of additional reports and resources. Best of all, it only costs $30 to upgrade.
Personal Finance’s price tag is right in line with its competitors. However, you get a lot more for your dollar with Personal Finance.
The research reports are great, but almost every service offers bonus research for new subscribers. What really sets Investing Daily apart is its outrageously strong satisfaction guarantee.
InvestingDaily’s 100% refund policy covers you for 90 days from your purchase date. That’s three times longer than what one typically sees in the industry. However, that’s just the start.
After the 90-day cutoff, you can still cancel at any time for a pro-rated refund for the rest of your subscription term.
Quite frankly, that’s unheard of, and it’s a testament to Investing Daily’s commitment to its product.
All things considered, this is an excellent service and you get a ton of value for your dollar. In our opinion, this service is well worth the cost of admission.
Investing Daily Personal Finance Review
Investing Daily is an excellent service with a lot to offer for stock market veterans and novices alike.
You’ll discover tons of options trading knowledge in these reports. This stuff goes well beyond what you could learn from perusing the internet, and it’s all organized in a simple fashion so you can pick it up quickly.
Adding options to your arsenal could greatly expand your financial firepower. Best of all, Fink’s system is designed to produce consistent weekly gains, so you could cash in every week if you play your cards right.
With one of the best money-back guarantees in the research business, what do you have to lose? At worst, you can return it within 90 days for a full refund. You can even keep the bonus materials!
With packages starting at $49, Personal Finance is within reach for even the tightest investing budget.
If you want to learn how to trade options, Personal Finance checks all the boxes. It has an excellent reputation, an unbeatable satisfaction guarantee, a proven track record, and an affordable price point. What’s not to like?