American Investment Services, Inc.

Disciplined, Diversified, & Cost Effective


July 2012 – “What’s Your Performance?”

Beginning this month we will present hypothetical performance figures for our recommended portfolios on a “net-of-fee” basis. This change follows an internal review of our own procedures, which have always acknowledged that we published for two audiences, our readers and our advisory clients, who arguably are better served by results presented “gross of fees” and

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June 30, 2012 – Retirement: The Income Conundrum

Retirees are facing perhaps their greatest financial challenge at any time since the Great Depression. Life expectancies are increasing, Social Security income may be curtailed, and traditional pension plans are disappearing. Seniors can no longer rely on positive real returns from traditional cash equivalent assets such as certificates of deposit and Treasury bills. Meanwhile current

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