| As large numbers of Baby Boomers reach | | | | offline investments. Profits are distributed among |
| retirement age and as life spans are increasing, | | | | the members and are spread across various |
| long-term financial security has become a major | | | | stable long-term projects & ventures, to |
| concern among the U.S. labor market. With the | | | | guarantee the clubs' stability for the long term. |
| prospect of reduced Social Security benefits, | | | | The risks normally associated with these types of |
| volatile 401K plans, and pension plans becoming | | | | programs are diminished by pooling funds and |
| non-existent, many workers are searching for | | | | spreading the investments across a diverse range |
| other viable income options for retirement. | | | | of global opportunities. |
| In the current economic recession, with rising fuel | | | | Contrary to illegal High Yield Investment Programs |
| and food prices, it has become increasingly difficult | | | | (HYIP), which use funds from one investor to pay |
| to properly save for those later years. Individuals | | | | the next investor's commission, the long-term |
| within ten to fifteen years of retirement often | | | | retirement clubs are completely legal and clean, as |
| seek investments with higher rates of return, but | | | | members' investments are combined with |
| are fraught with equally high risks. Additionally, in | | | | personal and private portfolios, which pay high |
| many of cases, the average person does not | | | | rates of return. While each country has different |
| have the large amounts of cash required to earn | | | | views on foreign investments and private |
| the highest interest rates, which the wealthy | | | | investments clubs, most operate in a jurisdiction |
| enjoy. | | | | where it is completely legal to manage private |
| Long-term retirement clubs have begun to | | | | funds internationally. |
| emerge on the Internet, which remove these | | | | Certain programs offer substantial referral |
| roadblocks for many entrepreneurs. These | | | | commissions the term that referred members |
| programs provide their members the opportunity | | | | participate in the various plans. However, financial |
| to realize dividends, which are well beyond the | | | | independence is generally achieved without relying |
| reach of the average investor. | | | | on others to participate. |
| Members' funds "piggyback" private portfolios of | | | | |