=Earn 10-12% on your investments with no taxes or fees. =Use a tax-FREE account to protect all your earnings and gains. =Use your account for interest-FREE cash purchases. =Use your account to cover insurance deductibles. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett, billionaire investor Your total return in 2012 could have been 15.3%; better than Warren Buffett's 14.4%. But Warren Buffett pays only 17% total tax. Mitt Romney and John Kerry pay less than 15%. Compounding high investment earnings is "the most powerful force in the universe," Einstein said. Compounding is money earning money on its earnings over time. Simple but powerful and yet, few investors let their money compound. Most investors don't know about compounding. They don't realize that in 15 years, they could have $250,000. After 28 years, they could compound their money to $1,000,000. They don't have the experience as a silent partner in many businesses over time. They don't see dividends and share values accumulating. Investors don't realize that compounding works best when you put your money to work in successful businesses paying dividends and stock splits, with no taxes or advisor/broker fees. They don't realize that compounding works best when you leave your money alone. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones you buy from every day. You can pay no taxes and no fees. This kind of investment return is very likely but not guaranteed. It is a risk . . . but a risk the wealthy think is worth taking using a sound portfolio. I will show you how to set up this portfolio without advisor or lawyer fees.