Emails your readers will
actually finish reading.

Hi {{FIRST_NAME}},

Have you ever noticed that the investments people talk about in hushed voices always seem to come with a minimum you can't reach?

A man called Dan Leman noticed it for years. He was a full-time investor, so this was his whole working life, and the pattern kept repeating. To get into the best opportunities, you seemed to need multiple 7 figures ready to invest. Everyone else got whatever was left.

Most investors grumble about that and move on. Dan made it his mission to fix it, first for himself and then for other ordinary investors like him. It took him many years, mostly because the top traders he found were happy working for hedge funds and big institutions and had no reason to look at people like you and me.

Then he met a trader who changed the whole picture. I'll tell you about him tomorrow, because he set one condition before he would agree to anything.

The company they started together is called High Capital Group. If you'd like to read Dan's side of the story before tomorrow, it's here:

{{LINK_ABOUT}}

[Add one honest sentence about why you looked into this yourself.]

Talk soon,
{{YOUR_NAME}}

P.S. They were called Oak Valley Investments when they started, and you'll still see that name on their videos. Same people, same trader.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Yesterday I left you with Dan Leman, the full-time investor who was tired of seeing the best opportunities kept behind 7-figure minimums.

The man he finally found was Norman Hart.

Norman has an honours degree in economics. His trading skills had been responsible for tens of millions of dollars in investment, and companies had paid him hundreds of thousands of dollars simply to use software he designed. On paper, he was exactly the kind of trader who goes to work for a hedge fund and is never heard of by ordinary investors.

But Norman wanted to help people, and he had one condition before he would join Dan.

All he wanted to do was trade.

Dan was happy to look after everything else, and that is still how High Capital Group works today. Norman trades, and clients copy his trades into their own accounts automatically.

I like that story because the person placing the trades has one job, and he chose it.

[Optional: add a line about what stood out to you in Norman's background.]

You can read how the two of them met here:

{{LINK_ABOUT}}

Tomorrow I'll cover the part most people ask about first, which is where your money actually sits.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

The first question anyone should ask about a trading company is the obvious one. If I send them money, what stops it from disappearing?

With High Capital Group, the answer is that you never send them money at all.

You open your own account, in your own name, with a highly reputable forex broker. That broker is regulated, and you deposit your money with the broker. Then you connect the account to copy software, so the trades Norman Hart places are mirrored on your account automatically.

The company can place trades on your account, and it has no access to withdraw a single dollar. Your funds stay with the broker. When you want your money, you withdraw it through the broker whenever you like, because it isn't locked in.

Their FAQ makes a cheeky point about this. Because they only invoice you at the end of the month, after any profit is made, you're the one who could technically walk off without paying, while they have no way to touch your money.

[Add a sentence on how this compares with other investments you've looked at.]

The full set of questions and answers is here:

{{LINK_FAQ}}

Tomorrow I'll show you the numbers and, more usefully, where you can check them for yourself.

{{YOUR_NAME}}

P.S. Forex trading carries risk, so this only ever makes sense with money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Any trading company can put a nice number on a website. What made me pay attention to High Capital Group is that they hand you a way to check theirs.

Their results are verified in real time by FX Blue, an independent third party. The account is listed under their original name, Oak Valley Investments, so don't let that throw you.

Here is what their Past Performance page shows:

A target average monthly return of 10% after fees.
A target maximum drawdown of 15.0%. (Drawdown is the drop from an account's highest point to its lowest dip.)
1 losing quarter out of 33 quarters.
A profit factor of 4.99.

They also add a note that a lot of firms would leave out. Results before 2018 came from their old legacy system, and the current system's record starts in 2018. I'd much rather see that written down than discover it later.

[Add one line on which of these numbers matters most to you, and why.]

Watch the short video and click through to the verification here:

{{LINK_PERFORMANCE}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

This is my last email about High Capital Group for now, so I'll keep it practical.

Their own answer to "who is this for?" is short: anyone. They mention high net worth people looking to diversify, professional investors, financial planners and people investing for the very first time. You don't need to know anything about forex, because the trades are copied for you.

The practical details are these.

The minimum is US$1,000, deposited with the broker in your own account.
You set the account's leverage to at least 30:1.
The copy software normally costs $19 a month, and their broker covers it for life when you sign up through their link.
Their fee is 30% of profits, charged only after you make money, with nothing upfront.

Now the part I'd want a friend to tell me. This is an investment, and you can lose money. Their own FAQ says that if you're not comfortable with that, it isn't right for you. So please only use money you can afford to lose, and never borrow to do it.

[If it fits, add a sentence on who in your audience you think this suits best.]

If you've read this far and it feels right for you, choose your region and follow the steps here:

{{LINK_START}}

Thanks for reading along this week,
{{YOUR_NAME}}

P.S. If you have a question you'd like answered first, their team replies at support@highcapitalgroup.com.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Picture a trader whose skills had been responsible for tens of millions of dollars in investment, and whose software companies had paid hundreds of thousands of dollars just to use.

Now picture someone asking him to bring that skill to ordinary investors, people with a few thousand dollars to invest instead of a few million.

You'd expect a long list of demands. Norman Hart had one condition.

I won't spoil it here, partly because it's the best line on the page and partly because it tells you a lot about how the company he co-founded is run. It's in the story of how he met Dan Leman:

{{LINK_ABOUT}}

[Add a sentence on what you'd have expected him to ask for.]

{{YOUR_NAME}}

P.S. The company is High Capital Group. Forex trading carries risk, so if you look further, only ever use money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Here's a number I keep coming back to: 1.

That's how many losing quarters High Capital Group shows out of 33 quarters of trading.

Most people judge an investment by its best month. I look at the other end first, how often it has a bad stretch and how deep the bad stretches go, because that's what decides whether you sleep at night. Their target maximum drawdown is 15.0%, alongside a published 10% target monthly return after fees.

What makes the 33 quarters worth your attention is where the record lives. It's verified in real time by a third party, so you can look at it yourself instead of trusting a screenshot.

{{LINK_PERFORMANCE}}

[Add one sentence on how you usually judge a track record.]

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Why do the best investments so often want a million dollars before they'll even talk to you?

A big part of it is simple. Top traders have hedge funds and institutions happy to give them large sums, so they rarely bother with smaller investors. A full-time investor named Dan Leman ran into that wall for years, and it frustrated him enough that he set out to get around it.

The way he did it is surprisingly simple. It brings the minimum down to US$1,000 instead of seven figures, and your money never leaves an account in your own name.

The short version is on the High Capital Group home page, with a video:

{{LINK}}

[Add a line about investments you've been shut out of, if that's true for you.]

Forex trading carries risk, so only ever invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Quick question. When you invest with a trading firm, who holds the money?

With High Capital Group, the answer is you. Your money sits with a regulated forex broker, in an account opened in your own name, and the company has no access to withdraw any of it.

They can place trades on your account, and that's all they can do.

There's a funny consequence in their FAQ. They bill you at the end of the month, after any profit is made, so if anyone in the arrangement could technically run off with money, it's you. They point that out themselves, which I enjoyed.

Look for the question "How can I be sure you won't just take my money?" here:

{{LINK_FAQ}}

[Add a sentence on why this matters to you.]

Forex trading carries risk, and you can lose money. Only invest what you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

The software that copies High Capital Group's trades into a client's account normally costs $19 a month.

Clients who sign up with the broker through High Capital Group's link don't pay it. The broker covers the whole cost, for life.

That's a small thing, but it tells you something about how the deal is put together. The only other cost is 30% of profits, charged only after you make money and worked out on what's called a high water mark. That last part is worth understanding, because it means you don't pay fees on gains that only win back an earlier dip.

There's a worked example with real numbers in the FAQ. Look for the question about the high water mark:

{{LINK_FAQ}}

[Add a sentence on fees you've paid elsewhere, if you want the contrast.]

Forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

There's one answer in High Capital Group's FAQ written in capital letters with three exclamation marks.

The question was whether they use martingale, grid or hedging techniques. Their answer: "No, No and absolutely NOT!!!"

If those words mean nothing to you, here's why it matters. They're methods that can make an account look steady for a long time, right up until it isn't. The firm calls them the fastest way to blow up an account, and says you will never see them in its trading under any circumstances.

I find a strong opinion like that more reassuring than any glossy promise, because it tells you what they're protecting your account against.

Their other answers are just as direct:

{{LINK_FAQ}}

[Add a sentence on what you look for before trusting a trader.]

Forex trading carries risk, so please only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

The fastest way to sort trading services is to ask one question: who verified the results?

If the answer is "we did", I move on. High Capital Group's answer is FX Blue, a third party that tracks the account in real time. It's listed under Oak Valley Investments, the name the company started under.

On their Past Performance page you'll find a short video and a link straight to the verification. The headline figures there are a 10% target monthly return after fees, a 15.0% target maximum drawdown, 1 losing quarter out of 33 and a profit factor of 4.99.

Don't take my word for any of that, and don't take theirs either. Click through and look at it yourself:

{{LINK_PERFORMANCE}}

[Add one honest sentence about what you noticed when you checked the record.]

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Plenty of investment fees come out whether you made money or not. High Capital Group's fee only exists once you have.

It's 30% of profits, charged after the profit is made, with no upfront fees. It's also worked out on a high water mark, which their FAQ explains with an example I'll borrow.

Say you invest $5,000 and make $1,000 in month one. You pay 30%, which is $300.

Say month two is down $200. There was no profit, so there's no fee.

In month three you make $1,000 again. You're only $800 above your previous high, so you pay 30% of $800, which is $240.

So you never pay a fee for simply getting back to where you were, and the firm's income rises and falls with yours.

[Add a sentence comparing this with a fee you've paid elsewhere.]

The full worked example is in their FAQ:

{{LINK_FAQ}}

Forex trading carries risk, and you can lose money. Only invest what you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

The detail I'd point a careful friend to first with High Capital Group is a boring one, and that's exactly why I like it.

You open the account yourself, in your own name, with a highly reputable, regulated forex broker. You deposit with the broker. Then software copies Norman Hart's trades onto that account automatically.

The company gets permission to place trades on the account and never gets access to withdraw. Their FAQ puts it plainly: "there is no way we could possibly touch your money, we just don't have the access."

Because the account is yours, so is the access. Your money isn't locked in, and you withdraw through the broker whenever you like. If you're investing over $20,000, you can even ask about using a broker of your own choosing.

[Add a line about what you'd want to know before handing money to anyone.]

The three steps are laid out here, along with the broker for your region:

{{LINK_START}}

Forex trading carries risk. Please only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Here's a feature of High Capital Group that doesn't get talked about enough. You choose how hard your account trades.

Norman Hart's trades are copied to your account, and you can set a personalised risk level on top. If you like the trading but want it more aggressive or more cautious, you change it with a few clicks. In their words, you are in complete control.

That fits the one client quote they publish, which I'll give you word for word:

"Norman is very profitable, but more importantly, he is very careful. I've always felt safe with my money in Norman's hands." Michael Powell, Investor.

"More importantly, he is very careful" is the line I'd underline. The firm works to a 15.0% target maximum drawdown, and the risk setting is there for anyone who wants to be more cautious still.

[Add one sentence on what "careful" means to you as an investor.]

See how it all works on the home page:

{{LINK}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

If you only remember one number from High Capital Group's results page, I'd make it 4.99.

That's their profit factor. Profit factor is the total of all winning trades divided by the total of all losing trades. A figure of 1 means breaking even. A figure of 4.99 means the winning trades added up to roughly five times the losing ones.

It's a useful number because one lucky month can't produce it. It's built from the whole record, and that record is verified in real time by a third party, FX Blue.

Put it next to their other figures, a 15.0% target maximum drawdown and 1 losing quarter out of 33, and you get a picture of how the trading behaves over time. Their published target monthly return is 10% after fees.

[Add a line about which number you'd look at first, and why.]

The video and the verification link are here:

{{LINK_PERFORMANCE}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

The most convincing line on High Capital Group's Past Performance page is the footnote.

It says all results before 2018 came from their old legacy system, and the past performance of the current system can be seen from 2018 onward.

They didn't have to write that. A less careful firm could have blended everything into one long history and let you assume it was all the same approach. They tell you where the line is instead, so you can judge the current system on its own record.

That record is verified in real time by FX Blue, still under the company's original name, Oak Valley Investments. The page sums it up as a 10% target monthly return after fees, a 15.0% target maximum drawdown and 1 losing quarter out of 33.

If you're curious, watch the video, then open the verification and look at 2018 onward for yourself.

{{LINK_PERFORMANCE}}

[Add one honest sentence about what you found when you looked.]

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

When I mention High Capital Group, the first question is usually some version of "is this a scam?" It's the right question to ask about anything involving forex, so here's how I'd answer it calmly.

A scam needs to get hold of your money, and this setup never does. You open an account in your own name with a highly reputable, regulated broker, and you deposit with the broker. The company can place trades on that account and cannot withdraw from it.

A scam also hides its record. Theirs is verified in real time by FX Blue, a third party, and the link is on their Past Performance page for anyone to open.

And a scam usually wants paying first. They charge no upfront fees. Their fee is 30% of profits, invoiced after you've made money.

None of that protects you from losing money in the markets. You can lose money, and they say so plainly. But you can check every one of these points yourself before you put in a dollar.

[Add a sentence about your own first reaction when you heard about it.]

{{LINK_FAQ}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

A good question to ask before getting into anything is how you get out of it.

With High Capital Group, your money is not locked in, and you can access it at any time. The funds sit with the broker in an account in your own name, so you withdraw through the broker, the way you would with any brokerage account. Most brokers offer several ways to do that.

The fee side ends cleanly too. They invoice monthly, only on profit and only after it's made, so there's no upfront payment you'd be walking away from.

One honest note from their FAQ: you can close their trades yourself or place your own trades on the same account, but they ask you not to. If you want to trade on your own as well, they suggest opening a sub-account with the same broker.

[Add a sentence on why easy access matters to you or your readers.]

The account questions are all answered here:

{{LINK_FAQ}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

Here's what you pay to copy High Capital Group's trades, as their own pages set it out.

Upfront fees: none.

Copy software: normally $19 a month, but their broker covers it for life when you sign up through their link, so it's free.

Their fee: 30% of profits, charged only after you've made money and worked out on a high water mark, so you don't pay fees on gains that only win back an earlier dip.

The minimum to start is US$1,000, and it goes into your own broker account, not to them. They'll also consider a discount for accounts over $100,000 if you contact them.

The part I like is the incentive this creates. If your account doesn't make money, they don't get paid.

[Add a sentence on how this compares with what you pay for other investments.]

The fee questions are answered in full here:

{{LINK_FAQ}}

And when you're ready to see which broker serves your region, it's here:

{{LINK_START}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Hi {{FIRST_NAME}},

If your first thought about forex is that it sounds risky, you're right to take that seriously, and High Capital Group agrees with you.

Their FAQ asks "Can I lose money?" and answers yes. It calls this a very high return investment, says it's still possible to lose money, and tells you that if you're not comfortable with that, it isn't right for you. I respect a firm that writes that on its own website.

Here's what they do about the risk. They work to a 15.0% target maximum drawdown, which is the biggest drop from peak to dip they aim to stay within. They refuse martingale, grid and hedging techniques, calling them the fastest way to blow up an account. And you choose your own risk level, so you can turn the trading down if you'd rather be more cautious.

My honest view is that this only makes sense with money you could lose without it changing your life, and never with borrowed money.

[Add one sentence about your own attitude to risk.]

The full risk answers are here:

{{LINK_FAQ}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

{{YOUR_NAME}}

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Something I came across recently: High Capital Group, a forex copy-trading service started by a full-time investor who was tired of the best investments needing 7 figures. You open your own account with a broker, their head trader's trades are copied in automatically, and their fee is 30% of profits, charged only after you make money. The minimum is US$1,000. [Add one sentence on why it caught your eye.]

{{LINK_ABOUT}}

Forex trading carries risk. Only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

If you've ever wished a trader's results came with proof, High Capital Group's Past Performance page is worth five minutes. Their record is verified in real time by FX Blue, a third party, and shows 1 losing quarter out of 33, a profit factor of 4.99 and a 10% target monthly return after fees. [Add a line on what you think of it.]

{{LINK_PERFORMANCE}}

Past performance is not a guarantee of future results, and forex trading carries risk. Only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

A question worth asking of any trading firm: who holds the money? With High Capital Group it stays with the broker, in an account in your own name. The company can place trades on it and has no access to withdraw, and you can take your money out whenever you like. [Add one sentence of your own view.]

{{LINK_FAQ}}

Forex trading carries risk. Only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

Fee structures say a lot about a firm. High Capital Group, a forex copy-trading service, charges nothing upfront and takes 30% of profits only after you've made money, worked out on a high water mark so you don't pay fees on gains that only win back an earlier dip. The copy software is free through their broker link. [Add a sentence comparing this with fees you know.]

{{LINK_FAQ}}

Forex trading carries risk. Only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

A short story I liked this week. Norman Hart's trading skills had been responsible for tens of millions of dollars in investment when a frustrated investor, Dan Leman, asked him to help ordinary investors. Norman had one condition, and it's the best line on their About page. Together they run High Capital Group, a forex copy-trading service. [Add a line on why the story stuck with you.]

{{LINK_ABOUT}}

Forex trading carries risk. Only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.

One thing I respect about High Capital Group, a forex copy-trading service: their FAQ asks "Can I lose money?" and answers yes, then tells you that if you aren't comfortable with that, it isn't for you. They also refuse martingale and grid trading outright and let you set your own risk level. [Add one honest sentence about your take.]

{{LINK_FAQ}}

Please only invest money you can afford to lose.

Disclosure: I may receive a referral reward from High Capital Group if you become a client through my link. It costs you nothing extra.