A new class of consumer has emerged, and they're spending billions of
|
![]() |
That's because this lucrative new segment of the population is living exclusively overseas, inside the world's newest economic superpower -- China.
Anyone with even a passing knowledge of investing knows how big things in China are right now. The news has been splashed across every newspaper, magazine, TV and radio talk show for years now.
But as hard as it may be to believe, given all the hype it's received in the media, China's economy is actually hotter than we ever thought possible:
And what's fueling this incredible growth in the Far East?
Much of the credit can be placed squarely on the shoulders of what I call, The Money Class.
They're young, they're educated, and they're spoiling their government-mandated one child per couple with toys and the finest schooling.
They're buying new homes and renting apartments in China's major cities and filling them with the latest amenities: brand-new appliances, high-end furniture and the most cutting-edge electronics.
They're driving brand-new cars to the stores where they're spending millions on trendy clothes at stores like H&M, Nine West and Jones New York, whose market in China is expected to reach $58 billion in sales by 2010 .
They're vacationing multiple times each year, taking advantage of newfound freedoms to see the world, and they're spending a boatload of cash everywhere they stay. So much so that national tourism departments are devising strategies to cater exclusively to The Money Class. More on that later...
China's ultra economic success in the last few years has made many an investor a believer in their profit power, and with The Money Class providing rocket fuel for the country's economy over the next several decades, China-sized gains won't be going away anytime soon.
Just look at some of the winners investors have been pulling out of China in the last few years:
And now, thanks to the incredible rise of The Money Class in recent years, a new way of investing in China has been created.
I call it The Chinese Money Class Investment Fund, and it offers investors the chance to stake their claim to some of the country's most prosperous, up-and-coming stocks, set to reap the benefits of the ever-changing business and cultural landscape in China.
It's my belief that the three companies that make up the fund offer both new and experienced China investors significant long- and short-term profit potential thanks to the country's Money Class-influenced growth and economic progress of the last 10 years.
I created The Chinese Money Class Fund so that everyday investors and readers like you could take advantage of companies which have stepped up to become leaders in industries which up until now have been underutilized in China, but with the recent economic renaissance and the massive demand created by The Money Class, have begun to flourish.
I believe The Chinese Money Class Fund will return 95% in the next 12 months, along with a long-term profit potential of 80% a year for the next 12 years thereafter.
However these figures will be good for a short time only. With China investing and becoming a hotter topic by the second in the United States, companies like the ones making up The Chinese Money Class Fund will be very difficult to find.
While the prosperity and consumerism of The Money Class isn't set to slow down anytime soon, the window for big gains for investors who have yet to bring their investment dollars to China's table may soon slam shut.
So many businesses now operate and manufacture their products from China that the opportunity to find a true winner, a company that's still in its emerging state, that hasn't hit its peak yet, are few and far between.
The word about China has been out for so long, that if you missed it... then you really missed it.
But here's good news.
With The Chinese Money Class Investment Fund, you now have the opportunity to grab three soon-to-be lucrative Chinese companies that aren't over the hill yet.
Thanks to increased demand from The Money Class, looser government restrictions, and an underserved population of a billion consumers, three companies have their best days lying squarely ahead of them.
You can invest in these companies easily and quickly, before they're overbought and tapped of their profit potential, like so many other companies before them.
And let me assure you, these aren't just one-hit wonder stocks either. While you could see quick gains of up to 95% on Chinese Money Class picks, these are also long-term profit producers. With The Money Class firmly entrenched behind them, each company has the potential of handing you at least 20% a year for the next 12 years.
I'll give you all the details on the stocks that make up The Chinese Money Class Fund, but first, let me take a moment to introduce myself.
My name is Todd Schoenberger and I spearheaded the creation of The Chinese Money Class Fund as the focal point of my monthly investment advisory, Diligent Investor.
I created Diligent Investor with one goal in mind: to make readers the biggest gains possible, and to eliminate much of the guesswork that goes into investing.
I do this by performing an extraordinary amount of due diligence on every stock we identify.
'Due Diligence' refers to the process of research and analysis that takes place in advance of an investment, takeover, or business partnership.
That's precisely the work my team and I do for our subscribers before we recommend any investment to them.
By the time you read about an investment in Diligent Investor, it's already passed the closest scrutiny with flying colors.
My extensive list of contacts throughout the industry has afforded me access to huge amounts of analyst research that is usually only available to employees or institutional clients.
I use that information to determine exactly how safe and profitable an investment can be. It's this inside information that gives Diligent Investor subscribers an edge over any other investment advisory reader.
But when I'm researching a company I also like to go directly to the source. I'll contact any company I'm recommending and ask them the questions that I know any smart investor would want to know the answers to before putting their money on the line.
That's how superior gains are achieved, and that's our goal for you.
And that's exactly what we've done with The Chinese Money Class Investment Fund.
You'll find these companies to be a diverse collection of stocks providing very sought-after services to the ever-growing, always-spending Money Class each day.
But they're all tied together by one common thread: each is primed to become some of China's biggest money-making investments over the next few years, and as I'll tell you in just a few moments, their complete information is available to you right now at no cost whatsoever...
If you met the world's most famous investor Warren Buffett on the street tomorrow and had the chance to ask him what his favorite security was, you may be surprised at the answer.
Back in 1951, Buffett acquired 350 shares of GEICO Insurance Company at a cost of $10,282. It was the first security he ever bought.
He sold his shares a year later for $15,259 -- nearly a 50% profit in one year. But it was a decision he would come to regret.
Nearly 30 years later, he had put $45.7 million back into GEICO and owned 33.3% of its shares.
In 1995, he bought half of the company that he didn't own, for $2.3 billion. GEICO was now a wholly owned subsidiary of Berkshire Hathaway, one of the most profitable organizations in the country. GEICO is valued at $10.38 billion. It makes up 7.35% of Berkshire Hathaway's overall market cap.
When asked about his fondness for investing in the insurance company, Buffett said last year:
'Full employment, boomtime profits, and record dividend payments do not set the stage for depressed security prices. Most industries have been riding this wave of prosperity during the past five years with few ripples to disturb the tide... The auto insurance business has not shared in the boom... On the basis of normal earning power and asset factors, many of these stocks appear undervalued.'
I'm fairly sure that Warren Buffett would be on board with your first Chinese Money Class Fund pick.
Headquartered in Beijing, this company has the distinction of being the preeminent insurance carrier in China, light years ahead of its competition.
Since its inception in the 1970's, China's insurance industry has been growing by double digits each year since 1980. In 2001, its total premiums registered at $20 billion.
Just three years later in 2005, thanks in large part to The Money Class, that total had soared to $34 billion, a phenomenal 70% increase.
The full-scale opening up of this industry under World Trade Organization (WTO) rules has led to a number of new entrants, thus increasing competition. However, China's insurance market is out of balance.
That's because this company is already dominating the industry, and yet with the hundreds of millions of uninsured citizens in need of its services, its growth potential is still staggering.
With The Money Class estimated to grow by 180 million in the next 10 years, many new policy holders are set to come on board.
This company is the largest life insurance carrier in China, and controls about 55% of China's enlarged life (including accident and health) insurance market.

It currently employs 668,000 sales representatives, has over 60 million life and annuity policies and more than 4,500 branch offices located across China. And with over 1 billion Chinese citizens, it's dealing with arguably the largest potential client base in the world.
This company has the Chinese government to thank for that.
China adopted its infamous 'One Child Policy' in 1979 as a 'temporary measure,' but it still applies to ethnic Han Chinese couples living in the country's heavily populated urban areas.
The measure is estimated to have reduced population growth by over 300 million in its first 20 years. But it has left China an aging country. An aging, uninsured country, with plenty of need for a company like this to assist in making sure it as well as its families are cared for in times of need.
But this company isn't content to limit its aspirations to only China and its citizens. Thanks to soon-to-be loosening of policies and regulations, this company will soon be able to invest in overseas markets and earn even more revenue.
The China Insurance Regulatory Commission is expected to relax regulations on companies like this one investing in foreign stocks in other thriving markets. One telltale sign of this future policy change is The State Administration of Foreign Exchange's recent announcement that Chinese insurance companies will now be able to accept premium or pay compensation in both yuan and foreign currencies.
This is a relaxation of the existing rules and bodes well for this company's ability to soon invest in foreign stocks. Once this policy change occurs, it's estimated that this company's revenue will jump 50-75% annually, thanks to the profits it will pull in from its new investments.
Take a look at the chart below:

You can see above the rising price and volume of trading on this company. This is despite the fact that it's been hampered by government regulations on its most profitable asset -- the investing of its float.
Essentially, this company has been succeeding with one hand tied behind its back. The removal of these investing restrictions will be the equivalent of untying the other hand!
Along with the massive growth of The Money Class, China's aging demographics, widespread underinsured population and the loosening of government handcuffs on overseas investing make this company a safe long-term profit producer.
An annual gain of 25% could be expected over the next 10 years at least.
But this company represents only one-third of the opportunity the complete Chinese Money Class Investment Fund offers you to build your wealth.
Your second Chinese Money Class Fund pick capitalizes on the recent relaxation of foreign travel restrictions by the Chinese government which allowed The Money Class to become frequent world travelers.
Today Chinese citizens can travel to more destinations than ever before. Family vacations, business trips and weekend getaways that were once forbidden by the hard-line Communist regime, are now possible.
This shift in policy has not only afforded the people of China more freedom than they've ever experienced, but it's also opened up an entirely new investment sector to their country: the travel industry.
The Money Class has jumped all over this industry, reveling in their chance to finally become world tourists.
Approximately 32 million Chinese ventured overseas last year, up from only around 5 million in 1997 and a 50-fold increase since 1985.
100 million Money Class travelers are projected to be in play by 2020.
And the rest of the world is surely taking notice.
Mexico aims to attract 100,000 Chinese visitors by 2010, a nine-fold increase over today's numbers. South Africa is estimating it'll have 2.5 million by 2010 and Thailand is already welcoming 1 million a year but still shooting for even higher numbers. And the odds are it'll get there.
Even the notoriously strict Singapore government has dropped its casino ban to compete with other nations for the Money Class tourist dollar. And when you see exactly how many of those dollars are at stake, you can understand their concessions.
Studies are showing that Money Class travelers spend on average, $987 per visitor when they travel. That makes them the most lucrative tourist base in the entire world.
And by 2014, the annual amount spent by Money Class travelers is expected to hit $180 billion. That's the equivalent to 26% of Korea's GDP in 2004, 110% of Hong Kong's, and 118% of Singapore's.
All this begs the question -- how are these big spending vacationers setting up these trips, and how can a smart investor take advantage of all this cash movement?
In the past, with more government restrictions in place, state-run travel agencies coordinated the majority of trips for the Chinese, but mostly catered toward group travelers to a government-determined selection of locations.
Now with the relaxed rules and a newfound freedom and desire to explore the world, the age of the independent traveler has dawned in China and this Money Class Fund stock is reaping the dividends.
As easy as it is for you or I to go to a travel agent, lay out where we'd like to go, what dates we'd like to arrive and depart on and what sort of hotel we'd like to stay in, Chinese citizens have never had this luxury. Until now.
This company is fast becoming the travel agent for the Chinese independent traveler.
If you want an easy-to-understand comparison, this company has become the 'Travelocity of China.' And if you thought Travelocity was big in the United States, imagine what this company could do with a travel-hungry population of 1.3 billion Chinese Money Class citizens...
Prior to this company arriving on the scene, Chinese travelers were forced to book their trips and accommodations directly at an airline's office or hotel's front desk and pay the most expensive rates and fees associated with them.
This company has become the most centralized travel provider for China, by compiling a national network of hotel affiliations that is unmatched by any competitor. Its selection of accommodations coupled with its easy-to-use service and reliability has grown its customer base immensely in the last few years.
Thanks to this network, this company controls hotel bookings for 50% of the market, with its next-closest competitor controlling only 25%.
It's making plans to purchase companies all across Asia, including Hong Kong and South Korea, in order to take advantage of the Chinese spending spree. It's also looking to expand its operations into Europe, as more travelers begin to trek overseas rather than other parts of Asia.
Consider that the chart below is based mostly on growth from Money Class travelers mainly traveling within their own continent.

Now imagine how high this company's value could soar once the demand for European travel kicks in. When this company expands its network of hotels into Europe, and over 100 million Chinese travelers head there, en masse, ready to spend, the price hike could be tremendous.
That's why it's crucial to grab a piece of this emerging powerhouse now, before a major growth spurt occurs, and sends the stock price far out of reach.
I'm predicting a 30% gain in the next 12 months.
Once this initial spike occurs, this company will still be in prime position to deliver a consistent 20-25% gain over the next 12 years.
But there's still one more piece to The Chinese Money Class Investment Fund left to complete your Money Class wealth-building package...
Picking up where your second Money Class Fund stock left off is this company, which provides potential investors with another opportunity to ride the tremendous wave of new travel demand by The Money Class in China.
48 new airports are scheduled to be built throughout China in the next five years, mostly in the south end of the country, which currently houses a much smaller number than the more metropolitan areas in the north and east.
This company, a large, but undervalued Chinese airline whose fleet connects to more than 80 cities around the globe, stands to benefit enormously both from the increased amount of travel by Chinese citizens, as well as the influx of new airport construction throughout the country.
As with your other Chinese Money Class Fund stocks, this company has been experiencing rapid growth, but with the influx of new airport construction, this airline has plenty of room to shoot up in price. The key is to already have it in your portfolio by the time the ribbon is cut at the first airport's grand opening.
Even then, it might be too late. Just like many Chinese companies, this airline has been on the move recently. In the past year, it's already acquired two other regional airlines in preparation for the steep increase in traffic it anticipates once the new airports begin operation.
The great news for Money Class Fund investors who take advantage of this opportunity is that this company is currently trading at a three-year low.
The reason for the drop in price is due to the airline operating at a net loss, despite massive revenue growth.
The factors behind this include the rising cost of jet fuel, which was unexpected, but has since been factored into operating expenses by the airline, and the fact that the company spent a significant amount of money purchasing new planes, and acquiring other airlines.
With continued revenue growth, and lower expenses in the next year, the company should be operating back in the black by its next annual report. When this news hits the wire, the share price could immediately spike an easy 41%. But you can grab it now at a discounted share price!
The 2008 Olympics should provide a similar short-term boost in price in the next 12 months once travel arrangements start being made by million of Money Class travelers eager to see the games.
And as the new airports begin to operate one by one throughout China, with more Chinese travelers taking flight than ever before, this company will continue to produce a steady 15-20% gain each year as it grows its fleet, schedule and routes even more to meet heavy demand.
Add the entire Chinese Money Class Investment Fund together, and you could see at least 80% gains every year for the next 12 years. Not to mention the short-term jumps that could occur within the next few months and years, as the surge of The Money Class continues, including an estimated 95% gain in the next 12 months alone.
As the number of Money Class consumers in China continues to grow, so does the buzz on how much potential they offer to companies that position themselves to take advantage of the situation.
With The Chinese Money Class Investment Fund, you'll receive three companies that are now emerging as some of the biggest winners in the next wave of Money Class companies. In the coming months, my team and I are going to be digging for more, constantly searching for more hidden Money Class gems to add to the fund.
If you've never invested in China before and are thirsting for some of the returns that investors enjoyed in previous years, then The Chinese Money Class Fund is for you.
If you've already invested in China, and made a mint off of it in its formative years, but are ready to get back in and snatch up some new Chinese profits, then The Chinese Money Class Fund is for you too.
And as I told you before, there are no maintenance fees associated with the fund, no minimum investment, or accreditation required. The Diligent Investor team and I have created this fund for ordinary investors and readers like yourself who are eager to add China-sized profits to your portfolio.
And since you have my team working for you, doing the research, and performing the due diligence on each stock in the Chinese Money Class Fund, as well as any other company we recommend, you can be sure your bases are covered and you're receiving a sound and profitable investment.
And here's the best part of all about The Chinese Money Class Investment Fund. I'd like to send you a detailed Research Report, containing everything you need to know about all three stocks, how to invest in them, what price points to buy up to, as well as future updates on developing company situations, price fluctuations, and when to buy more, or sell for maximum profit, absolutely FREE.
In fact, your free Money Class Report, 'A Decade's Worth of Profits From the Rise of the Chinese Money Class,' can be in your hands within a matter of minutes. You can be on the phone or online with your broker, snatching up precious shares of these Money Class-infused companies within the hour.
The Chinese Money Class Investment Fund has been a major project of mine for the last few months now. I've spent countless hours investigating the current situation in China, how The Money Class is affecting change not only in their economy but in other nations as well, and how smart investors can play all of it to their advantage.

The research that I've put into the three companies comprising the fund has been immeasurable, but that's what Diligent Investor is all about. If I'm going to recommend a company to you, you can be sure that we've taken the time and the appropriate measures of due diligence to ensure it's a safe and sound investment.
That's the philosophy that I've followed throughout my entire career in the financial industry, dating back to when I began as a broker with Merrill Lynch & Co.
Fresh out of the Harvard Executive Education Program, I specialized in helping individual investors achieve financial independence by finding the best profit opportunities available in whatever type of market condition we were operating in.
After leaving Merrill, I joined Legg Mason Wood Walker as an institutional trader where I became responsible for managing over $140 million in cash for several publicly traded technology companies.
After the stock market bubble burst, I then teamed with an institutional mutual fund company named Rydex Funds where I trained financial professionals on the intricacies of using leveraged mutual funds inside sophisticated market-timing strategies.
It was then that I helped to create AnnuityNetAdvisor.com, an online variable annuity provider specializing in low-cost, investor-friendly insurance products for financial advisors.
After getting ANA.com off the ground, I decided to test my knowledge and formed my own no-load variable annuity known as the Genesis Variable Annuity, which is distributed globally to individual investors and financial professionals.
I had tried my hand successfully at just about every segment of the investment industry, but at the end of the day, I knew that what I did best was roll up my sleeves, dig in, research and find great companies for investors to make money off of.
So I decided to take my experience and expertise in identifying individual companies with the potential to provide investors with sizeable consistent and safe gains, to a larger audience. I created Diligent Investor.
Ever since the introduction of the service, the mainstream financial press hasn't stopped calling. I've appeared on Fox News Channel's Forbes on Fox and CNBC's Squawk Box as a guest analyst.
I've also appeared on over 30 radio talk shows in the last three months alone, including the nationally syndicated Money Matters Financial Network and Stock Dr. with Lee Seiler.
They've all heard the word on Diligent Investor and the kinds of companies we're finding for our readers, and want to know how we're doing it.
I tell them all the same thing.
For too long throughout my career I've been inundated with investment advisories that fly off half-cocked, recommending companies I know will fail to turn a profit for investors, thanks to fundamental flaws in their business model, product or management structure.
Quite simply, the editors of these advisories don't do their homework, and investors are paying the price for it.
With the introduction of Diligent Investor, those days are over.
It's not easy to make a lot of money these days. People follow the major indexes but they jump up and down with the slightest bit of news on interest rates, war -- even a hurricane can move markets!
But the Dow is bouncing around from where it was five years ago. Same with the S&P. And the Nasdaq... well, it hasn't budged much from where it was six years ago. We've had a bust and recovery since then, but if you're watching the indexes for your stock selections, all I can say is good luck.
I've found it takes much more work to find the winners. Watch macro events, watch industries, dig into individual companies...
Diligence, diligence, diligence...
Personally, I think this is an extremely exciting time to be an investor. There are huge events and huge trends taking place in the world. Don't make the mistake of getting caught up in the microcosms of the markets -- that's what they do on CNN and CNBC.
Come along with me and try a little vision, with a mixture of very conservative stocks for the backbone of your portfolio, and a few juicy stocks to rack up consistent gains that turn into huge gains. Exploit the technologies of tomorrow -- but only the proven ones that are already in use.
The Chinese Money Class Investment Fund is a fantastic way to start off with Diligent Investor. The three companies I've selected to make up the fund are all emerging as some of the safest long-term profit producers in China. The Money Class is ensuring their success for years to come, and now is the perfect time to stake your claim for a piece of them.
These companies are already proven winners, but that doesn't mean there isn't still room for them to grow. When you're talking about a country of over a billion people, many of whom are just getting their first taste of things such as international travel and the security of life insurance, you can be sure that as good as these Money Class companies look now, they'll look that much better next year, the year after that and the year after that...
And right now, I'm offering you the chance to add these three rapidly growing success stocks to your portfolio as part of a deal you won't want to pass up.
I want to send you my entire Report on The Chinese Money Class Investment Fund, including details on all three picks and how exactly you should play them to ensure maximum gains, right now. You could have it in your hands within the hour.
But I'd also like you to take a look at my research on other companies too. I want you to experience everything we have to offer with Diligent Investor, so I have a special offer that I think you'll find very hard to pass up.
I'd like you to try Diligent Investor and I'm going to make it easy for you.
Simply take advantage of our 'new Member discount' and sign up for one year for only $49 (less than it costs for a tank of gas in a SUV these days!) and you'll get The Chinese Money Class Fund plus three more of my Special Diligent Investor Reports at absolutely no additional cost:
Plus, you'll get my weekly e-letter, keeping you up-to-the-minute on any important developments, and FREE access to my Members-Only Web site.
Or, try a two-year subscription for the special 'new Member' price of just $79, and I'll throw in TWO MORE FREE Special Reports, plus The Chinese Money Class Fund:
Plus, you'll also get my weekly e-letter and access to the Members-Only Web site.
And naturally, you're completely protected by a 100% satisfaction guarantee -- with no tricks behind it!
Try a subscription to Diligent Investor. Look over the recommendations, read your e-Alerts, read your Reports, check the Web site, and maybe try some of the recommendations.
If -- within 90 days -- you don't feel like you're getting your money's worth (and then some), simply let us know.
If you don't feel like you're completely on top of the biggest trends, most important events, and best and safest investments you could have...
I'll make sure every penny of your subscription price is refunded immediately.
After that, if there ever comes a time when you feel like the quality of the research and recommendations you're getting from Diligent Investor are not what they were before, simply let me know at that point. I'll make sure you're immediately refunded every penny of the balance on your subscription (prorated, naturally).
So at every moment you're with us, your satisfaction is completely guaranteed. No pressure, no questions asked. It's that simple.
I'm not worried. In my 20 years in financial publishing, Diligent Investor has got to be one of the safest, smartest advisory services I've ever seen.
Look, I know people are offering these 'double-your-money-back guarantees,' but there's a catch to them. You have to follow every single recommendation and document it, or you get nothing.
Skip even one recommendation, for whatever the reason (busy week, didn't like the recommendation, whatever), and you get squat.
So I'll stick to a basic 100% satisfaction guarantee. If at any time in the first 90 days you don't like what you're getting, let me know and I'll instantly refund ALL OF YOUR PURCHASE PRICE. Cancel ANY TIME after that and I'll give you a prorated refund for the rest of your subscription.
Plain and simple. You don't need to prove one thing.
Fair enough?
When you become a Member of Diligent Investor, you instantly put yourself in a position to benefit from the explosion of Money Class spending going on in China right now.
The 'best insurance company in Asia,' the 'Travelocity of China' and the Chinese airline set to take over the 48 new airports being built across China in the next five years, could all be in your portfolio, handing you a quick 95%, plus 80% a year for the next 12 years thereafter, by tomorrow morning.
Plus you can receive up to five additional Diligent Investor special Research Reports free of charge when you order. These Reports are filled with companies that I've researched thoroughly that are teeming with huge profit potential. And because I've performed the due diligence for you, you can be confident that these are winning recommendations you can feel safe putting your money into and watching grow each day, week, month and year.
Order Diligent Investor today, and see what you think. The Money Class Investment Fund companies I'm recommending are only heading higher in price as you read this. Check back over their catalyst fact sheet and you'll soon see why. So act today! The day you start is the day you start racking up huge cumulative gains.
And the occasional 1,000% winner.
The Money Class is waiting, cash in hand, to make you 80% richer every year, for more than a decade. Don't leave them waiting and don't let this opportunity pass you by.
Sincerely,

Todd Schoenberger
Executive Editor, Diligent Investor
Information as of: August 18, 2006