Enough Bull

Enough Bull

How To Retire Well Without The Stock Market, Mutual Funds Or Even An Investment Advisor

Book - 2015
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Stop risking everything to make your investment advisor rich

The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement.

Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead.

Invest only in safe investments that will never decline Get out of the stock market and mutual funds forever Why waiting to save for retirement may beat starting early Elect to receive the CPP pension at exactly the right age Avoid the common scams that lead to financial disaster

More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.

Publisher: Hoboken, New Jersey :, John Wiley & Sons, Inc.,, [2015]
Edition: Second edition.
ISBN: 9781118994177
Characteristics: xv, 202 pages ; 24 cm


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Mar 15, 2016

This book is written for an audience with minimal investment knowledge. I don't agree with his recommendation to avoid all equities and mutual funds and invest in GIC's. Even in the few years since he wrote this book GIC rates have gotten so low that they are hardly worth investing in at all.

Jun 22, 2015

This book is as guilty of the crime of misleading investors as it claims others are. Pointing out high profile cases of people losing money in mutual funds or stocks is no different than reporting on food production problems and then telling everyone to never step foot in a grocery store again, but dig up your lawn and grow your own food. An interesting notion that may appeal to some but prove impractical to most. It assumes everyone in the financial services industry is out to cheat and mislead the public. His comments about insurance and mutual funds are particularly misleading. Also missing are the significant risks those who 'go it alone' poise to themselves. Can anyone say "day-trader" ? Unless the author is donating all proceeds to an investors' protection plan (he's not), he's making a profit on self serving, incomplete and potentially dangerous financial advise. He plays to the very fears of seniors and people about to retire, when they need help the most.

Jun 02, 2015

Although the author makes several valid points, and has a helpful section on CPP withdrawal strategies, I found the information very dated. For example his indicated rates for GICs were based on 2009 quotes, and as you know rates are now at historic lows. GICs don't even keep pace with inflation now, so a balanced, diversified, liquid portfolio that includes some Laddered Bonds ETFs (CBO), some Laddered Preferred ETFs (ZPR), and even some US market Preferred ETFs ( PFF:US) would be a better choice for a conservative investor who needs stable cash flow. Many of the books by Gordon Pape do a better job.

May 30, 2015

Finally a book that gives good advice, and is based on the world today, with interest rates below the navel and super scam artists out on the make - including our biggest money enemy, the banks. People don't realize banks are out to make money for themselves, not you, and have a plethora of schemes and charges to bilk you out of hard earned cash.

May 24, 2014

Basically advocates putting all of your money into GICs. If you have absolutely no risk tolerance whatsoever, this book is for you.

May 01, 2010

If the subject matter was any more simplified this book would be a comic book

Mar 04, 2010

Very insightful.

Dec 15, 2009

Canadian chartered accountant dispensing investment advice to the conservative investor. Much of the information is common sense and what your parents should have taught you but it's always nice to get a refresher. David Trahair has an interactive spreadsheet on his website you can use to calculate retirement income. The book includes many Canadian references and contact information (ie. which financial institutions are covered by CDIC and how you can determine the amount you'll receive from your CPP/OAS pension).

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