Sign Up

This week, we talk about building wealth with set & forget investing. You just have to trust the robots. Mwahahaha!



Trivia Question: How much does Amazon Founder Jeff Bezos earn every minute? Scroll to the bottom for the answer.

Markets & Investing

Market Overview (8/4-8/11)



+ 2.08%



+ 1.80%



– 6.28%



+ 1.21%

Click here if these just look like random letters to you! 


VALUATIONS MATTER: Top 4 US equity market valuation indicators, updated weekly with commentary.


Build Wealth With Set & Forget Investing. Many investors are just looking for a way to generate consistent investment returns long term with minimal management to build wealth. Over the last century, the stock market’s average annual return is approximately 7% after inflation, even accounting for long stretches of time where stocks really didn’t move up or down. However, as measured by JP Morgan, the average investor has earned only 1.9% on average per year after inflation. That is a huge underperformance. By utilizing robo advisors, you can build wealth long term with minimal time invested.


Ready to build wealth with set & forget investing? Keep Reading ➡️


3 Stocks For Investing In The Recovery. We take a look at undervalued REIT STORE Capital, tech growth stock Slack, and a US high dividend ETF VYM.


DIVE DEEPER: Find out why we like Slack, VYM, and STORE Capital… Keep Reading ➡️



Grow Your Wealth By Understanding Inflation. One of the open secrets to growing your wealth is understanding inflation. Yet, most people don’t really understand it. We know that things were much cheaper a few decades ago, but we don’t always grasp how it erodes our purchasing power over time.


Learn a key foundational concept to build, grow, and keep your wealth… Keep Reading ➡️


How Is Housing Holding Up? The pandemic has surprisingly barely touched the housing market after the initial shock. While countless mortgages are in forbearance right now, housing prices have still gone up year over year.


Explore housing data during the pandemic… Keep Reading ➡️


Personal Finance


It’s easy to find yourself in debt nowadays, especially credit card debt. With low interest rates, governments are literally trying to stimulate the economy by stuffing debt down our throats. This way, they can hopefully keep the economy growing long term. But, there is a way to flip the script and make debt work for you.


Understand The Difference Between Unproductive And Productive Debt. Firstly, you need to understand how the difference between unproductive and productive debt. When you learn how to make debt work for you, you can grow your wealth and stay out of crippling unproductive debt. Some of the worst kind of debt is CC debt due to extremely high interest rates.


Credit Card Debt Is Bad. Secondly, CC debt is bad yet the average US household has $5,700 in CC debt at an average 16.03% interest rate. When Americans pay the minimum with the average debt, it will take 30 years and $59,340 to pay off $5,700 in debt. So, it’s important to get rid of credit card debt


Flip The Script With Credit Card Rewards. Lastly, credit cards are not all bad. In fact, you can make credit cards work for you when you pay the balance in full every month. By thoughtfully picking credit cards, you can earn rewards redeemable for serious cash back, travel, or other rewards. Check out our top 5 rewards credit cards in September 2020.


Boost your FICO® score instantly with Experian Boost™

Don’t just check your FICO® Score, Boost it instantly for Free

For the first time ever and only with Experian, you can increase your credit scores fast by using your own positive payment history. Experian Boost is completely free, no credit card required! It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report.

Results may vary, see for details


Every week, we point out a few of our favorite resources/articles/news that actually provide value. 


How quickly will Manhattan office buildings bounce back? A balanced view on the state of Manhattan’s office buildings.


Since COVID19 started, every day investors have been in a frenzy. In fact, 43% of retail investors are using leverage to invest.


The Fed has been bailing out investors for decades now. When is it too much? Former Federal Reserve Regional President Bull Dudley shares his view.



Tell Us How We Did

What did you think of our newsletter? Let us know, your feedback will help us improve the quality of our newsletter.

1   2   3   4   5   6   7   8   9   10  Certified 20

Have more to say? Want us to cover something specific? We’d love to hear from you.

🤑 Share That ROTI, Get Rewarded 🤑

The best way to let us know you enjoy Return On Time is to share us with your friends, family, and colleagues. Best of all, you get rewarded with free swag!

🤑 Click to Join Our Ref Program Now and Get Rewarded! 🤑


Answer: $133,140 a minute


Fun Fact: While Jeff Bezos earns mind boggling amounts of money, his salary is only $81,840 a year. It’s all about the equity!


Ask Me Anything

Are there any topics you want us to specifically cover? Do you have a question that ROT can help answer? It’s all anonymous. We’ll cover it in a future newsletter. Ask away.

About the Founder

Hi, my name is Fehzan! I’m a serial entrepreneur that loves studying economics, investing, and the world around us. I started Return On Time after spending many years reading finance/economic news and actively investing in various asset classes. While I did learn a bit, I learned more that the real, valuable resources to invest really take a lot of time to find. After all these years, I decided to start Return On Time to deliver a balanced view backed with data and the right news.

We look forward to providing you with ROTI in 10 minutes a week.