3 Uncommon Income Plays for the Renegade Investor

I f you’re trying your best to earn a decent return on your savings and investments these days,

you face a huge problem: We are all living in a low interest rate world.

It wasn’t always like this. There was a time when people could expect what are now highly implausible returns on certificates of deposit and money markets. Just five years ago, money market rates were nearing 4 percent on average, according to Bankrate.com.

Heck, when figuring out how much to save for retirement, it was common practice in the industry to figure a rate of return of 8 to 10 percent a year for relatively safe, conservative investments.

Now, three-month U.S. Treasurys have been at zero percent, and money markets and savings accounts pay well under 1 percent interest. Simply put, it’s nearly impossible to get a “safe” return that beats inflation. There isn’t much difference at all between stuffing your money in a mattress or into a typical bank savings account.

Worse yet, there’s no sign of any change in the future, either near or midterm. The U.S. Federal Reserve System has stated that it will keep interest rates “exceptionally low” until at least mid-2014. (The Fed basically controls the interest rates banks will pay savers because everyone takes their cues from the federal funds rate.)

It’s the only time in the Fed’s history that it has blatantly said such a thing — that savers would be denied a fair return for years. Frankly, for those of us trying to build a sizable retirement nest egg, it can be downright depressing. Basically, the government (led by politicians and Federal Reserve Chair Ben Bernanke) have declared a “war on savers.”

But before you think there’s no hope, I’m here

to tell you: There is a way a regular mom and pop investor can fight back. Through three investment plays that may be a bit “renegade” in nature, meaning they’re not part of the typical investing advice doled out by “experts,” you can improve your prospects in an uncertain economic climate.

Uncommon Income Play No. 1: 3 High-Powered Currencies

There is actually a way for you to earn six to 10 times the interest that your bank will pay you in the typical savings account and even three to five times what you can earn on a CD at your local bank.

Better yet: You don’t have to stray away from the typical comfort zone of a U.S. investor. You can still keep your money right here in the U.S. in a bank insured by the Federal Deposit Insurance Corp.

That’s an important point to note because it wasn’t always the case. In the past, if you wanted to chase higher interest rates than those offered in the U.S., you had to travel to a foreign land and open up a foreign bank account. Obviously, that’s quite a hassle and well beyond the scope of what most of us would do.

Later on, the process did get easier when the Internet created a new avenue for someone in America to do business with a foreign-based bank. However, on the downside, you still dealt with people you had never seen and who weren’t regulated by our governing bodies in the U.S. It was a trade-off: Do you take the extra risks of sending your savings abroad in the quest for a higher yield?

Now, however, things have changed. That’s because one U.S. bank has brought the great opportunities of foreign investment to our doorstep.

3 Uncommon Income Plays for The Renegade Investor

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A Dollar in DeclineI’ll get back to that bank in a moment. First, I’d

like to tell you how you can earn a higher rate of interest via this bank and indeed why you’d want to consider using them as an investment tool.

Here’s a fact: All money is not created equal. Numerous currencies are in use, issued by different countries across the globe. The U.S. dollar has been at the forefront and is considered the “reserve currency” of the world — it has dominated the currency realm for decades, since the decline of the British pound after World War I and World War II.

These days, however, the U.S. dollar is facing plenty of head winds. It is exhibiting signs of a currency in decline. Importantly for us, numerous foreign currencies earn a far higher degree of interest and they tend to gain in appreciation through the years against the falling dollar.

Because of this, your investment in these currencies not only has the chance to retain its purchasing power over time — unlike the U.S. dollar, which is being eroded because of inflation — but along the way it also earns higher interest.

What currencies am I referring to? A great example is the Australian dollar. In “Chart 1,” you can see the upward trajectory of the Aussie dollar versus the U.S. greenback. (Chart 1)

What is it, you may ask, that has caused the Aussie dollar to reach a point of parity with the U.S. dollar, with a trendline continuing upward? In many respects, it’s simply sound currency management.

You see, in the U.S., we hold the position as the world’s reserve currency, as I mentioned before. Other currencies are measured against the U.S. dollar, and debts and transactions are often measured in dollars. It’s the currency countries most often turn to when trading across borders.

But, to co-opt a Spider-Man quote, with that power comes great responsibility. And unfortunately, our government has been taking far too much advantage of the fact that it has free rein to print and release new dollars into the marketplace.

Printing money, you see, is an easy way to solve financial problems in the U.S. Think of it this way: If you could run to a printing press in your kitchen when your bills came due and print up the cash to pay those bills, it would be pretty easy, right?

In a very real way, that’s what the government has been doing as the economy has faltered, especially in the wake of the Great Recession of 2008.

Government officials wanted to stimulate the economy and force liquidity back into the system. More money flow, they reasoned, would prompt banks to lend more freely and keep commerce flowing. Hence, the words “quantitative easing” entered the popular lexicon, which is a fancy way of saying the government was creating more money out of thin air and releasing it into the system.

Since 2009, we’ve had two rounds of quantitative easing, and rumors of a third have been circulating ever since “QE2” ended in June 2010.

U.S. Struggles Not a Global PhenomenonPoliticians don’t like to admit it because opening

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This chart of the AUD/USD exchange rate demonstrates the overarching trend — the Australian dollar has been gaining strength, a march upward only faltering during the extreme environment of the 2008 global financial crisis.

SOURCE: TradingEconomics.com

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The Australian dollar has been gaining on the buck for a decade.

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Sean Hyman’s extensive background in the financial markets goes back more than 20 years, including as a broker at Charles Schwab and as an instructor for Forex Capital Markets. He has held five financial licenses and has been a stock-broker, manager of a team of stockbro-kers, a trading course instructor in the

currency markets, a financial writer, and a key speaker at conferences both nationally and internationally. His invest-ing philosophy is based on choosing the assets that will get “inflated” in the future — commodities — and investing in fundamentally superior currencies that will benefit from the U.S. dollar’s decline. He does it in a way that’s simple and, via the use of exchanged-traded funds, can be done through a standard brokerage account.

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the money spigot works so well in the short term, but there is a terrible long-term drawback to new cash — inflation. After all, when there’s more of something in existence, each one of those things becomes a little less valuable, right?

Anytime you make more of something, it becomes less expensive. And when an item is more rare or precious, it retains its value and can sometimes appreciate in value.

The printing-press solution isn’t a recent phenomenon, to be sure. Ever since President Richard Nixon eradicated the U.S. gold standard in 1971, the U.S. has been printing money freely, without the constraints of needing gold backing.

The action has diluted the dollar relative to other currencies over time and has been the source of inflation over the years. (There’s a reason the median single-family home price, which was $23,900 in 1971, soared to $240,100 in 2011, and despite what your local real estate broker may try to tell you, it’s not just purely market related.)

So, in short, the U.S., like some other Western nations, notably in Europe, is saddled with debt burdens and declining currency values. But that sad tale is certainly not the case everywhere in the world.

Not every country is debt-laden, overtaxed, and in decline. Some countries are actually on the way up. Australia is one of those countries. Here’s why.

The U.S. doesn’t have the same sort of stable dependable growth, as measured by the gross domestic product, which used to drive its economic engine. You’ll see in the accompanying GDP chart that the U.S. has grown by 1 to 3 percent per year, dipping in 2008 and 2009 during the Great

Recession. (Chart 2)Now, let’s compare that data to how Australia has

done over the same 10-year period. Australia has grown for the most part between 2 and 4 percent during the same period, and, most important, it never slipped into a recession during any of those 10 years — amazing, considering the worldwide financial crisis of 2008. (Chart 3)

When you see the trend in graphical form, it becomes obvious why investors have been gravitating toward Australia versus the United States.

In Australia, you get a better growth story and one more resistant to recessions than the U.S.

That’s the growth story. Now, let’s look at the difference in interest rates between Australia’s dollar and the U.S. dollar. (Chart 4)

Again, which would you rather own as an investor? A country that’s growing at a greater rate and that has more stable growth and earns more interest or the country that is all over the map growthwise and that yields a paltry 0.25 percent?

I’ll take the former, and I bet you would, too. A lot of investors are thinking the same thing. So is it any wonder that the Aussie goes up over time while the U.S. dollar declines as investors flee it? I don’t think so. It makes perfect sense.

There’s one more fundamental dynamic between these two countries we should consider: jobs. In the end, that’s a metric that really tells a story, isn’t it? If there are jobs, a country will grow. Without jobs, people won’t spend and a country won’t flourish.

So how does Australia employment shape up when compared to that of the U.S.? Check it out

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The U.S. has been in a slow-growth mode for years.6

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This is a chart of the annual growth rate of the U.S. gross domestic product (GDP) — a measure of the market value of all goods and services produced within the country. The U.S. has been struggling along at 4 percent growth or below much of the decade.

SOURCE: TradingEconomics.com | Bureau of Economic Analysis

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Australia has been an economy on the rise.6

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The annual growth rate of Australia’s GDP has had a lot more volatility, as this chart shows, but unlike the U.S., it never slipped into negative territory in the heart of the 2008 financial crisis. That indicates economic strength.

SOURCE: TradingEconomics.com | Australian Bureau of Statistics

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below. (Chart 5)That’s pretty telling, I’d argue. I know I’m more

comfortable investing my money in a country where the job opportunities are more plentiful. Australia is just a stronger play, on many levels.

Australia also has another factor going for it . . . it has resiliency, unlike many other countries, against negative effects of the U.S. economy. In following these two economies over time, I’ve noticed that, if the U.S. is struggling, Australia isn’t struggling as hard. If the U.S. is flourishing, Australia is flourishing more. If the U.S. interest rates are going higher and giving a more favorable yield on money, Australia’s have always been far more favorable.

In addition — as if the factors already discussed weren’t enough — Australia has two other distinct advantages over the U.S.: It has plenty of raw materials and an insatiable large-scale buyer of those commodities in resource-hungry China.

The U.S., unfortunately, doesn’t make much anymore that the world wants or needs — it’s morphed into largely a service-based economy.

Australia, however, has gold, copper, iron ore, wheat, etc. — stuff the world needs. And with Australia’s proximity to China, it’s become the place where China shops for its raw materials to build out its rapidly expanding economy.

The EverBank AdvantageAre you as excited about the prospects of the

Australian dollar as I am? I hope so, because now I’m going to share with you how you can start investing in it, via a U.S. bank that is FDIC-insured.

EverBank.com has an Australian dollar CD that at the time of this writing yielded 2.78 percent. That’s a far cry from a U.S.-dollar-based CD that yields 1 percent or a savings account earning 0.25 percent.

And don’t forget, this CD has a chance to appreciate over time if the Aussie dollar continues to rise against the U.S. dollar, as it has overall for the past 10-plus years.

This means your return could end up being 10 percent in a year if the currency appreciated more than 7 percent against the dollar and you earned almost 3 percent in yield.

It has happened before, and it could very well happen again.

No, these aren’t your grandmother’s CDs, for sure. They’re turbocharged and do a much better job at keeping pace with inflation than a regular, tepid U.S.-dollar-based CD paying 1 percent at best.

You can purchase the EverBank Australian dollar CD in time intervals of as little as three, six, nine, or 12 months, with a minimum opening balance of $10,000. When your CD matures, you can simply roll it over into a new one and keep on going if you wish. EverBank will tell you how to do this.

An Investing GemIf you like that last CD, then you’re really going

to love this next one. For this “jewel,” we travel to South Africa, an emerging market country that has what some call an “exotic currency.” That means it can be far more volatile than the Australian dollar, but it earns an even higher yield than that of Australia’s dollar and stands the chance to appreciate much, much more than the Aussie within the course

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Unemployment rates in 2011-2012 reveal Aussie dollar’s strength.

Smart money follows the jobs! As you can see here, Australia’s unemployment rate was much lower than the U.S. If people are working, your country is producing, and the population is spending more freely. That bodes well for the local currency.


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Australia’s dollar yields 17 times the interest of the U.S. dollar!

When looking at a chart like this, it becomes very clear where you’ll get a better interest rate, and it’s not in the U.S. The Australian dollar has been far outpacing many of the old-guard leaders of the global economy..

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of a year, too. If you’re a little more risk tolerant and want to

soup up your return potential while earning higher interest, consider South African’s rand.

To start, let’s take a look at how the rand has performed relative to the dollar in the 10-year chart. (Chart 6)

Think of South Africa as a more volatile Australia. They are very similar in that both countries are resource rich and make things that the world requires in order to grow.

South Africa is rich in gold, platinum, coal, iron ore, tin, diamonds, rare earth minerals, copper, and natural gas, among other commodities. That has made South Africa much more prosperous than much of the rest of the African continent as a result.

In fact, the World Bank ranks South Africa as an upper-middle income economy. It’s the largest economy in Africa, and the 28th largest in the world.

It’s similar to Australia in that China is a big buyer, as well. China is tapping South Africa’s gold

and other natural resources. South Africa tends to grow 2 to 5 percent a year,

which is a much faster rate than that of the U.S. It did dip into a recession with much of the rest

of the globe in 2009, but South Africa’s recession wasn’t as long or as deep as that of the U.S. They came out of it and are already growing faster again than the U.S., as depicted in the chart in the next column. (Chart 7)

How can you get into the rand? EverBank offers a South African rand CD. As of this writing, the three-

month CD had an annual percentage yield of 3.55 percent. EverBank also offers a six-month version.

A Very Supercharged CurrencyNow, if you liked the return and potential of the

Australian dollar and South African rand CDs, you’ll

love my final pick.Brazil is a powerhouse economy. Like Australia

and South Africa, it is rich in resources the world is seeking, like iron ore, oil, soybeans, and sugar. In 2009, China overtook the U.S. as the country doing the most business with Brazil.

Commodity demand has given Brazil a really impressive track record when it comes to growth. You can see from the GDP chart on the following page that it’s grown an average of 3 to 6 percent over the past 10 years. (Chart 8)

It doesn’t take too many of those ultra-high

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This is a chart of the USD/ZAR exchange rate. Declines over time represent the dollar losing value to the stronger rand, although the dollar surges make a point — despite the long-term positive-leaning trend, there is some volatility with this particular currency.


The rand has made huge strides over time against the greenback.

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South Africa’s annual growth rate, as measured by its GDP, shows a lot of strength, reaching up near 8 percent around 2007. Yes, it lacks stability, but the South African economy’s surges are outpacing the sluggish growth in the U.S. as a whole.


While more volatile, South Africa is a better place to be than the U.S.

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The annual rate of growth in Brazil’s GDP has been impressive, despite a couple of dips into negative territory in the last 12 years. On average, it has grown 3 to 6 percent over the past 10 years, putting the country on a blistering pace.

SOURCE: TradingEconomics.com | IBGE

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growth years before Brazil ends up leaving the U.S. in the dust — and that’s exactly why investors love Brazil’s currency, the real.

The chart of the Brazilian real on page 6 shows just how well the real is performing relative to the greenback. (The downtrend you see is Brazil’s real growing relative to the declining dollar.) (Chart 9)

No doubt, this is another very volatile currency. But over long periods, the real runs all over the buck, as demonstrated in the chart.

Thus, if you want the chance for the ultimate in potential currency appreciation and a higher interest rate than even the Australian dollar and South African rand, Brazil’s real is worth a serious look.

At the time of this writing, EverBank’s Brazil real three-month CD boasts an annual percentage yield of 5.09 percent. And don’t forget that there could be some massive currency appreciation over time with this currency, making it even more attractive in comparison to U.S.-dollar savings vehicles.

To find out more about all three of these CDs — the Australian dollar, South African rand and Brazilian real — give Jacksonville, Fla.-based EverBank a call at (800) 926-4922. Or you can simply go online to their site:

www.everbank.com/personal/foreign -currencies.aspx?tab=cds

Through these three foreign currency CDs offered by EverBank, it’s possible to get “stock market-like” returns from simply holding a CD and not being involved in the stock market at all. Now there’s a smart “renegade” concept if there ever was one.

Uncommon Income Play No. 2: Norwegian Oil

For much of the last 20 years, crude oil traded between $10 to $15 per barrel on the low side and $30 to $40 on the high side. It seemed this could be the range forever on the price of oil. But that all began to change in late 2004, when oil broke out above the high of this range and proceeded to hit almost $150 a barrel over the next few years.

You can see in “Chart 10” that we’ve entered a new era when it comes to the price of oil. No longer are we in the $10 to $40 days. Instead, if anything, $40 is a new floor now, and $80 to $100 per barrel is a more common price. (Chart 10)

I wanted to take advantage of this uptrend in oil. But if I bought oil itself, I’d gain no income from it

while I waited. For income, I could buy a stock like ExxonMobil, which as of this writing was paying a dividend of about 2 percent. Or I could scour the world for a better choice.

Sure enough, I found one.The company I chose is based in one of the most

fundamentally sound economies of the world, Norway, yet it is traded in the U.S. on the New York Stock Exchange, making it easy to buy shares.

There’s a lot to like about Norway. While the U.S. grapples with unemployment north of 8 percent, Norway has a rate at just under 3 percent. This oil-rich nation also has a fully funded pension for every person living there right now, meaning it’s not going to face the same crisis staring down the U.S.

These factors support a strong currency, much more robust than our ailing U.S. dollar. Thus, the

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art 9The USD/BRL exchange rate since 2002 shows a strong trendline — the real is a dominating force when compared to the U.S. dollar. EverBank’s foreign currency CD products offer American investors an opportunity to profit from market realities like this.

SOURCE: TradingEconomics.com.

Brazil’s real trounces the dollar over time.


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After remaining at reasonable rates for many years, oil prices have rocketed up, blasting past the once-unthinkable $100 per barrel level a few times in the past decade. This is a “new reality” we as investors need to face.

SOURCE: TradingEconomics.com.

Oil is now in a volatile uptrend.

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company I’m about to reveal will benefit from a strengthening home currency, even though its stock is trading here in U.S. dollars.

It’s a very stout company with a great balance sheet. This $89 billion company has gross margins of 37 percent, a price-to-earnings ratio of 12, and a dividend yield of 4.60 percent.

On top of this, the stock is in a nice uptrend and is trading at more than two times its book value as of this writing.

What is the stock? It’s Statoil (STO). Below is a three-year price chart showing its positive trajectory. (Chart 11) Statoil is an American depositary receipt that trades on the NYSE in the U.S. It benefits from the rise in the price of oil, the rise of Norway’s local currency (the krone), and the fall of the U.S. dollar.

Of note, Statoil officials announced in April 2011 that they’d found “a significant oil discovery” adjacent to the Peregrino field in Brazil that they’re already ramping up production on. They believe at least 600 million barrels of oil are in that field. By April 2012, they estimate that they’ll be pumping up to 100,000 barrels a day. That’s good news on the earnings front and in turn the future stock price.

Another possibility to consider that would be bad for the world but good for Statoil is the ever-looming risk of a war between the U.S. and Iran (or any other rogue oil-producing nation in the Middle East for that matter). Any kind of protracted battle will cause the price of oil to skyrocket.

Certainly, though, war isn’t the only driver of higher oil prices. In this ailing global economy, with most major countries stumbling along at a

meager 0.50 to 2 percent of GDP growth per year, oil has sustained higher prices. The Saudi Arabian oil minister set a target of $100 per barrel, meaning Middle East oil producers will do their best to keep oil prices in the triple digits.

Now, what will occur if much of the world returns to average GDP growth of 3 to 4 percent annually? The price of oil would likely shoot through the roof.

Higher oil prices aren’t going to be good news for many people. We’ll all hate the elevated prices of gasoline at the pump. But those of us who own an oil stock like Statoil that benefits from the rise of oil and yields a 4.60 percent dividend won’t be sweating it like everyone else.

Uncommon Income Play No. 3: Copper and Gold

If there’s one thing that is widely used throughout the global economy in industry, it’s copper. Copper is in our homes, offices, electronics, appliances, and cars. It’s deeply woven into the fabric of the economy in the U.S. and worldwide.

If the global economy is recovering, then the price of copper rises. If the global economy is slowing, the price of copper dives. With that in mind, the demand for copper has really picked up overall since 2004, even though it has had a very volatile ride along the way. It has experienced some dives in that time, including one in 2011 as the global economy slowed, but overall, its trajectory is positive. (Chart 12)

In my opinion, the 2011 correction in copper is likely over. In January 2012, copper began to rise in price again, demonstrating a likelihood that the global economy is in recovery mode.

As that takes place and countries like China and India increase copper demand with more cars on the road and more disposable income among their work forces for items like appliances and electronics, the limitations of supply will drive up prices.

This is all good news if you’re a copper miner like Freeport-McMoRan Copper & Gold Inc. (FCX). This company mines gold and copper (hence the name), meaning it has the benefit of a metal driven by industrial demand and one that has served as a hedge against a devalued U.S. dollar.

Fundamentally, Freeport-McMoRan posts solid numbers. As of this writing, it had a price-to-earnings ratio of 7.33 percent and a dividend yield

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Norwegian oil company Statoil (STO) has risen since 2009, a trajectory that shows few signs of slowing in a world where oil is getting more and more expensive and politically fraught with tension. Well-run oil companies will benefit from this tumult.

SOURCE: StockCharts.com.

Statoil is one of the most fundamentally sound oil stocks with one of the highest dividends of any oil stock out there.

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of 2.38 percent. Its gross margins were 49.78 percent, and its return on equity was 40.11 percent. This is a solid company that mines material the world is hungry for.

Entering 2012, as the price of copper was breaking upward, Freeport-McMoRan has done the same, which is no coincidence. See it below. (Chart 13)

China thirsts for more of the metal. It imported a record 508,942 tons of copper in December 2011, up 13 percent from the previous month and up 48 percent from 2010, according to The Wall Street Journal. This is important because China consumes 40 percent of the copper produced each year and

the rest of the world consumes the rest. So China is responsible for a big slice of the pie.

Meanwhile, copper stockpiles recently hit a two-year low, so it won’t take much demand placed on the limited supplies to produce higher prices.

Freeport-McMoRan is a great play on U.S. inflation and global

expansion, the growth of China and India in particular. If you’re a believer in these, then you’re a believer in the rise of copper’s price and the stock price of Freeport-McMoRan over time.

Renegade Profits for the Long Run

After reading this report, you now have three “uncommon income plays” to bolster your investment portfolio. While millions of people are depositing money into savings accounts that earn 0.10 to 0.50 percent or putting money into U.S. dollar-denominated CDs that earn about 1 percent, you have incredible

options to consider.Don’t be one of the

“savers” who lose the war against inflation, currently growing at a destructive pace of 3 to 6 percent a year. In this environment, I encourage you to not be a sheep meekly settling for paltry returns. You deserve better. Instead, be a renegade!

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In 2011, Freeport-McMoRan’s stock price slipped in the third quarter (in which a lot of stocks took a beating). In my opinion, it only made the miner a better value for those buying and holding for the long term, positioning to ride the global rise of copper.

SOURCE: StockCharts.com

Investing in FCX is like buying copper and getting a 2.38 percent dividend to boot.

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Copper is an important commodity used in all types of manufacturing, and economies in growth mode — like China — hunger for the metal. So it’s no surprise to see the surge in demand, as depicted in this chart.


Despite bumps, the demand for copper continues to rise. 500

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3 Uncommon Income Plays for the Renegade Investor