Motley Fool Rule Your Retirement Review 2024

People are retiring earlier and living longer. Or at least they want to. The horizon of your post-retirement life can stretch for 50 years or more, eclipsing your working years. Most people will not be able to rely on pensions and social security to cover their post-retirement expenses.

How can you make sure that you will be financially comfortable for the duration of your golden years?

The Motley Fool endeavors to answer this question with its Rule Your Retirement subscription service. It has a database of premium articles to help you build your portfolio to maximize your retirement savings.

But at $149 per year, is it worth it? After all, you could hand over your hard-earned money to a robo-advisor and invest in an algorithm-optimized, tax-advantaged portfolio with no management fees. Do you really need retirement planning guidance on top of that?

If you don’t know much about retirement, the answer is resounding yes. It is a misconception that a successful retirement depends solely on the return of your investments. Without the proper guidance and education, it’s almost a certainty you are leaving thousands of dollars on the table related to topics well beyond investment returns.  Read on to find out what The Motley Fool can bring to the table with their Rule your Retirement subscription service, and if it’s right for you.

What is Motley Fool’s Rule Your Retirement?

You’ve probably come across The Motley Fool’s financial articles on the web, and maybe you are even a subscriber to one of their services like Stock Advisor or Rule Breakers. Since 1993, The Motley Fool has provided a host of investment research services on different topics related to investing. You can read more about Motley Fool in our review.

Especially for the price, their research offerings are pretty good, but the challenge is figuring out which of their products suits your needs and situation. If you aren’t into investing in individual stocks, for instance, you don’t want to purchase products like Stock Advisor or Rule Breakers, which feature growth stock recommendations.

Investment Strategies and Guidance from Financial Planners

One key benefit of Rule Your Retirement is that you will receive expert guidance from Certified Financial Planners (CFPs) who have years of experience guiding people through their retirement planning process. They offer valuable insights into various investment strategies, such as the importance of diversification, choosing between mutual funds and individual stocks, and understanding the nuances of different retirement accounts.

Rule Your Retirement might be the one subscription theoretically suitable for almost anyone who is not themselves a CFP or already receiving professional retirement guidance.

It also has the lowest price of all The Motley Fool subscriptions and probably contains the most sound, and valuable long-term financial guidance available on the platform. Motley Fool’s Rule Your Retirement is appropriate for investors prior to and also already in retirement.

How Much is Rule Your Retirement?

To get access to its wealth of information on retirement and financial planning topics, you’ll pay $149 per year. If you click here, you can get access to The Motley Fool’s current promotion, which offers one year of Rule Your Retirement for $99 and two years for $149.

Is Rule Your Retirement Worth it?

Considering the wealth of information, expert guidance, and resources available to subscribers, Rule Your Retirement offers excellent value at its current list price. Whether you are just starting to think about retirement planning or are an experienced investor looking for fresh insights, Rule Your Retirement is worth it and can help you make the most of your retirement savings and achieve your financial goals.

With a 30-day money-back guarantee, you can try the service risk-free and see for yourself how it can help you navigate the complexities of retirement planning and everyday finances.

What Does Rule Your Retirement Include?

Rule Your Retirement covers a wide range of topics beyond retirement planning, including personal finance management, college costs, real estate, and estate planning. This comprehensive approach ensures you have all the information necessary to make sound financial decisions for every aspect of your life.

You’ll get access to a Rule Your Retirement web portal, broken down into the following sections:

• Build Your Own Portfolio
• How to Retire
• Are You Saving Enough to Retire?
• IRAs, 401(k)s, and Roths
• Everyday Finances
• Health and Wellness
• Property and Mortgages
• Estate Planning
• Insurance
• Paying for College

These topics are varied, and not all of them directly have to do with retirement. You can find guides and articles on everything from healthcare savings accounts to the best tools for tracking your spending and educational resources on any investment topic you can imagine.

Model Portfolios

You’ll also get access to model portfolios for your retirement savings accounts, like your IRAs and 401(k)s. The portfolio is broken down into Large Cap, Mid-Caps, and Small Cap index funds, as well as international stocks, real estate, and bonds. The model portfolio will also give you target allocations for each sector and suggest percentages to allocate to each individual fund according to your retirement horizon.

You can use these portfolio allocations to build your M1 Finance Pies or develop your portfolio through any other platform.

Premium Live Content

By signing up for Rule Your Retirement, The Motley Fool will give you access to its live shows, which run Monday through Friday from 8:00 am to 4:00 pm EST. These are decent presentations with independent analysts discussing various investment-related topics from mutual funds to semiconductors to biotechnology stocks.

Sometimes these shows post free analysis and even investment tools in the “Slido” on the right side of the page. If you don’t have time to watch these shows, you can also stream audio only in the background from any web-connected device.

 Retirement Review and Goal Tracking

Another benefit of subscribing to Rule Your Retirement is the ability to conduct a retirement review and track your progress towards achieving your retirement goals. With the guidance of experienced financial advisors, you can assess your current retirement plan and make necessary adjustments to ensure you are on track to meet your retirement income needs.

English Teacher Approach to Investment Guidance

Rule Your Retirement has a unique approach to explaining complex financial concepts, often referred to as the “English teacher” approach. This method breaks down complicated investment terms and strategies into simple, easy-to-understand language, making it accessible for individual investors at any experience level.

Other Motley Fool Subscriptions

The Motley Fool has a ton of different subscriptions that serve other purposes, but its two most established and well-known are Stock Advisor and Rule Breakers, which you can read about in our linked reviews.

A third service, Everlasting Stocks, purports to help you choose stocks that you can “buy today and hold forever.”

While Rule Your Retirement doesn’t provide individual stock picks like Motley Fool Stock Advisor, subscribers can benefit from the collaboration between the two premium services. This can help you develop a comprehensive retirement plan, combining long-term investment strategies with stock-specific recommendations from Stock Advisor to optimize your retirement fund.

The online community available to Rule Your Retirement subscribers is another valuable resource. Interact with other investors and financial experts to discuss retirement goals, share experiences, and learn from others who may have faced similar retirement income issues.

Why Choose Rule Your Retirement?

No matter what phase of life you find yourself in, retirement should be part of your routine financial planning. Even if it means setting aside only $50 per month, plenty of platforms allow even the most minor investors to access index funds, retirement accounts, and other investment vehicles to grow your wealth and lower taxes.

One could argue that it’s even more critical for average earners to maximize these tools than for the ultra-rich.

Even if you do have managed accounts and access to a CFP, you should develop a good understanding of the key financial issues involved in retirement and managing your everyday finances. Many of us find the topic terrifying—after all, what person in their mid-thirties wants to think about retiring? What if we find out we’re way behind the curve when it comes to our savings? The obvious answer is that you can make course corrections at any time to proactively improve your financial situation. And having access to regularly updated and vetted financial planning guidance and educational resources is crucial to getting your finances on track. If you do not have this through other means, you should consider Rule Your Retirement.

You May Not Benefit from Rule Your Retirement if…

If you aren’t saving for retirement or planning to start anytime soon, you aren’t yet ready for Rule Your Retirement, though you may want to consider it for the educational resources as to why you should be savings.

For the wealthy, if you are hands-off with your investments and trust your tax advisors and accountants to handle your retirement planning, you might not find use in Rule Your Retirement.

Pros and Cons of Motley Fool Rule Your Retirement

Here are the pros and cons of Rule Your Retirement:

Pros

• Sound Financial and Investment Guidance – Rule Your Retirement isn’t going to ask you to do something risky, like throw money at the latest tech stock. Instead, you’ll get sound, time-proven guidance supported by evidence.
• Reasonable Price – Even if you make up your mind to sign up for only one year at $99 if Rule Your Retirement helps you learn what you need to get your retirement on track, it will be an investment with a thousand fold return.
• Variety of Topics – Rule Your Retirement contains the educational resources for holistic financial planning, not just topics directly pertaining to retirement. These can help get your money in shape no matter where you are in your life. They usually post 1-2 new articles per week, curated or written by Robert Brokamp himself and his small team of writers.

Cons

• No Access to Stock Recommendations – Don’t come to Rule Your Retirement looking for individual stock recommendations—The Motley Fool’s bread and butter—because you won’t find any. You will have to sign up for another subscription to get that. You will, however, get access to resources to sufficiently diversify your investments according to modern portfolio theory.
• Frequent Marketing Emails – Once you sign up for a Motley Fool Product—any Motley Fool product—you will get marketing emails for other Motley Fool services. While emails asking you to buy another Motley Fool product can be a turn-off, you can opt-out of these in “Account Settings.”

Who is Motley Fool Rule Your Retirement Best For?

Rule Your Retirement has a proverbial wealth of resources when it comes to good information and education about retirement and financial planning.

Here are some investors who will benefit most from buying the Rule Your Retirement subscription:

• Investors who don’t have a financial planner
• Investors who want to plan for children’s educational expenses
• Investors who want help planning for retirement
• Investors who wish to take the reins of their financial destiny
• Investors who need assistance with estate planning
• Retirees who need information on life, health, and long-term care insurance
• Investors of all levels, beginner to experienced
• Anyone who ever plans to retire

Rule Your Retirement is an excellent holistic resource for financial and retirement planning. Their guidance is well-sourced, sensible, and clearly explained. Modest Money found no factual discrepancies or questionable guidance in any Rule Your Retirement articles.

Motley Fool Rule Your Retirement Review: Final Thoughts

Motley Fool Rule Your Retirement service is a comprehensive resource for individuals looking to plan and optimize their financial future. The service offers a wealth of knowledge on various aspects of personal finance, from retirement planning to insurance and estate planning. With expert guidance from Certified Financial Planners and a variety of topics, it is a valuable tool for investors at any stage of their financial journey.

After a thorough review of The Motley Fool Rule Your Retirement it may not be suitable for those who are not actively saving for retirement or those who are already working with a financial planner. But with its sound guidance, reasonable price, and extensive coverage of topics make it a worthwhile and valuable investment for almost anyone else.

For investors who are interested in gaining knowledge and taking control of their financial destiny, Rule Your Retirement offers the guidance and resources needed to make informed decisions about retirement and personal finance. With a 30-day money-back guarantee, there is no risk in trying the service to see how it can help you achieve your financial goals and secure a comfortable retirement.

Opting into the two-year package means that you will get Rule Your Retirement for less than $75 for each of those two years, a good deal. If you aren’t sure about subscribing for that long, you can sign up for the one-year package at $99. There’s also a 30-day money-back guarantee, and The Motley Fool will refund you the total amount if you cancel during this trial period.

To get the promotional price of $99 for one year or $149 for two years, you can take advantage of this link to sign up for Rule Your Retirement.