«Double-Digit Returns» by Harmel S. Rayat

Finally, proven wealth-building insider secrets revealed in an easy to understand, simple to follow and quick to implement way. The battle-tested strategies revealed in Double-Digit Returns in Good Markets and Bad have generated relatively low-risk real estate investment returns of over 40 percent per year for almost 15 years straight.
Whether you’re a seasoned investor with ample capital or just starting out with a modest amount of money, you’ll easily and quickly learn how to produce above average investment returns, in both good markets and bad. In this book, and among many other things, you’ll discover:


a factor much more important than location in real estate;
startling population trends that will all but assure double-digit profits;
how following the Golden Rule can maximize your income, and  
exactly where, when and how to invest (even if you’re short on funds).


Intentionally written in a pithy and straightforward manner, this book is the distillation of the hard-earned experiences of the author, who started out as a mailroom clerk and then went onto a career in investing. Early on, many of his investments did poorly; with some failing outright. Over time, he learned how to deploy capital in much better ways, surrounded himself with a great team and eventually established a family office.

Like every investor, his goal has always been to generate the highest risk-adjusted returns possible. However, market volatility, excessive fees, bad recommendations and conflicted advice always seemed to get in the way.

So, wanting less risk, greater cash flow and some diversification, the author decided to invest in real estate in 2006 with no prior experience using the proven strategies revealed in this book. Almost immediately, he and his team started generating what many would char­acterize as exceptional returns. His portfolio was worth $50 million, with modest debt. Surprisingly, the returns got better and better. Before too long, his real estate portfolio zoomed past the $100 million mark.

After a decade in business, which included the tough years of 2008 and 2009, an independent accounting firm was engaged to perform an examination of the author’s investment returns in accordance with standards set by the American Institute of Certified Public Accountants. This independent examination confirmed annualized returns on equity of 33 percent per year (simple interest) for the 10 years ended December 31st, 2015. In comparison, the S&P 500 had a return of 6.4 percent per year and the average hedge fund as measured by the Credit Suisse All Hedge Fund Index gained just 6.3 percent (in total, not per year).

More recently, for the 13 years ended December 31st, 2018, the author’s annualized returns stood at 45 percent per year, walloping most benchmarks and further validating the long-term financial benefits of the relatively low-risk and proven strategies revealed in this book. During this same 13-year period, NASDAQ gener­ated annualized returns of 15 percent per year, while both the Dow and the FTSE Nareit All Index (an index of U.S. real estate investment trusts) gained about 9 percent per year and the S&P 500 Index was up just 7.5 percent per year.

This book is more than just a guide to successful investing, it’s a guide to living a successful life as well. Also revealed in this book is a recipe for personal success developed by the author over 4 decades. This recipe, which combines that best of Tony Robbins, Brian Tracy, Earl Nightingale and many others, has helped him go from a broke mailroom clerk to a successful investor and entrepreneur. His goal in writing this book is to share his hard-earned knowledge, to reveal all his strategies, to help others, as many others have helped him; it’s one of his ways of giving back.