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      Saving for College:

      529s may not be the best idea!


      "The bottom line: The tax cost of using DRIPs will be small compared with the flexibility, control, and profit potential they offer. What's more, you won't face an IRS penalty if you use that money for something other than college!"



      College savers are enrolling in 529 plans. Strategic Insight, an Asset International company, just reported that assets in 529 savings plans topped $224 billion at year-end 2014, up 33% in the past two years.


      The big attraction, of course, is the tax benefit. There's no tax deduction for 529 contributions (you contribute after-tax money) but any investment earnings inside the plan will not be taxed annually or when they are withdrawn as long as the money is spent on higher education.




      What's not to like about tax-free investment income? With college costs reaching incredible levels, families need every possible edge to help their kids wind up with precious diplomas.


      That said, 529 plans have cons as well as pros. I recently received an email from a mother I'll call Rita, who has a 529 for her child's college fund.

      Rita's 2014 year-end statement from her 529 plan shows that she had invested over $37,500 since 2007, when she opened the account. Her balance has grown to over $47,200, for an investment gain north of $9,700.


      "That might look like I made 25%," writes Rita, "which would be fantastic, but on an annualized basis, the return is actually 5.82%." Besides mediocre investment results, Rita notes the high fees. She opened the account with a $2,000 contribution and immediately incurred a $160 (8%) setup fee.

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Time VS. Money

Patient long-term investors will amass wealth by following the simple strategy that direct investment plans (DRIPs) make accessible to almost everyone.

Use our quick calculator below

Assuming a 10% average return over the long term, see how much your assets can grow over the years.


(Note: As you reduce the number of years, you must increase in the amount you invest in order to achieve a smiliar result)

DRIP Index: MP63

DRIP Stocks Compared with the Market 07/27/2015
  1/1/94   Current % Change
MP 63 100.00 954.39 854.39
MP 63 Industrials (52) 100.00 1013.19 913.19
Dow Jones Industrials 3754.09 17440.59 364.58
S&P 500 466.45 2067.64 343.27
NASDAQ Composite 776.80 5039.78 548.79
Russell 3000 270.13 1232.40 356.22

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    From the Editor

    Vita Nelson

    As you begin your journey into investing directly through DRIPs, you'll want to refer to this site for the latest information about the operations of the plans as well as for assistance to help you get started.

    We are constantly updating the site with new information, so you may want to make it one of your "favorites."

    Search for DRIPs gives you basic information about every company that offers direct investing. Subscribers can screen based on industry, dividend yields, fees, and many other important criteria.

    You can read capsule reviews of companies that offer plans. And you can use the investing strategies we've uncovered to maximize the advantages of DRIP investing.

    Search for DRIP Stocks
    DRIP Enrollment Order Form

    Print form (or online at Order DRIP)

    You can use this site to enter orders for DRIP enrollments.

    The enrollment service provided here transfers shares in the customer's name (which is a requirement to join a DRIP).

    In general, traditional brokers will buy shares for customers and hold them in "street name" (the broker's name).

    direct investment

    The results of making regular investments into a diversified group of companies through the company DRIP have proved to be superior over every time period for the past 25 years.

    With the ability to diversify and invest periodically (without fees), small individual investors can have a better chance of success than large institutional investors.

    DRIP advantages

    We've discovered that, in general, the uncertainty of markets makes it more rewarding to

    Time Your Investments ...Not the Market!



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