THE IXTHYS LETTER Issue 18 / March 2017 Now in our 2nd year! 1st Year Return: +47.6%
WHAT IS IXTHYS?
IXTHYS is the Greek word for “fish,” a symbol of both sustenance and
provision. As a company, IXTHYS is both an advisory service and a
Personal Finance System™ designed to help everyone get out of debt,
invest wisely, maximize income and build lasting wealth.
Q: How does IXTHYS find its investment opportunities?
A: Every day we scan the markets for companies with strong organic
growth, trading at a reasonable price, with competent management
and high ethical standards. We time our entries using technical
analysis and hold as long as the company continues to perform.
Q: How does IXTHYS help me during market downturns?
A: Every subscriber has access to our IXTHYS Market Direction
Indicator™ (MDI) which alerts to an oncoming bear market with 91%
accuracy. We use the MDI to move funds into the IXTHYS Safe
Haven Portfolio™ which allows us to profit from market corrections.
“Honor the Lord with your wealth, then your barns
will be filled with plenty.” – Proverbs 3:9
IN THIS ISSUE
1. How to Use the IXTHYS
Letter
2. IXTHYS Market Direction
Indicator™
3. Current Market
Commentary
4. Highlighted Investments
for September
5. Current IXTHYS Portfolio
with buy-sell-hold signals
6. Past Performance
Statistics
7. Educational Article
8. Inspirational Thought of
the Month
HOW TO USE THE IXTHYS LETTER
1. Check the IXTHYS Market Direction Indicator™ (MDI) and Market Commentary sections so you
know what kind of market we are currently in. Any change in the MDI signal between monthly
updates will be emailed to subscribers.
2. Read the instructions given with The IXTHYS Portfolio™ which are based on the current MDI
signal. Adjust your current holdings accordingly. If you are new to The IXTHYS Letter, consider
buying one or more of the holdings in The IXTHYS Letter as directed (those with a “Buy” rating).
Consider adding to any IXTHYS Portfolio companies you already own that have a “buy” rating and
selling any that have a “Sell” rating. Note that we hold up to 18 positions in The IXTHYS
Portfolio™, depending on market conditions, so determine your position size on this basis.
3. If the IXTHYS MDI™ signals that we are in a bear market, consider reducing your positions in The
IXTHYS Letter (we recommend 50% of your initial investment) and putting any uninvested cash
into the IXTHYS Safe Haven Portfolio™ as directed. There are 8 Safe Haven positions so be sure
to divide this univested cash by 8 and put an equal amount into each position.
4. The IXTHYS Plan for Personal Finances™ is Dr. Carr’s method for stewarding your personal
finances. It is intended to help you increase your income, multiply that increase, and build lasting
wealth through strategic investments. This section of The IXTHYS Letter is under development,
but in future issues you will have access to short videos that explain the various components of the
Plan. You can learn more about the IXTHYS Plan by watching this introductory video: CLICK
HERE
IXTHYS MARKET DIRECTION INDICATOR™
Current Market Direction Indicator™: UP MARKET. Date of
signal: June 23, 2016.
MDI Signal Strength: +4.9 (as of: 3/1/17) The range of the MDI
Signal is from +5.0 to -5.0. A cross of the 0-line indicates a shift from
UP to DOWN or DOWN to UP.
Date of previous signal (DOWN MARKET): September 21, 2015.
IXTHYS MARKET COMMENTARY
The MDI Signal Strength held steady at +4.9 over the past month.
The market is bullish and strength is high. At this time, the MDI
signal continues to advise full investment in the stocks listed as “Buy” in The IXTHYS Portfolio. See below for
further guidance.
IXTHYS INVESTING ADVICE
Given current market conditions, we consider it best to do the following:
Take any remaining cash out of the IXTHYS Safe Haven Portfolio™
Maintain 100% positions in The IXTHYS Portfolio™ stocks
Consider adding shares of our highlighted stock(s) up to full position size
Current IXTHYS Market Direction Indicator™ Chart
Questions? Contact Us
www.ixthysletter.com
THE IXTHYS PORTFOLIO™
The following investments are designed for long-term holds in an uptrending market. We always hold a core position in
each company in the portfolio until the key factors that caused us to buy the stock (see the free report, “The 5 Keys To
Successful Investing”) no longer obtain. NOTE: we are SELLING position #2 which opens space for our new pick.
RECENTLY CLOSED POSITION (IXTHYS PORTFOLIO):
Tesoro Corporation (TSO): +75.3% from 2/7/14 to 5/1/16 – includes dividends
AVERAGE RETURN ON OPEN POSITIONS AS ABOVE (IXTHYS PORTFOLIO):
Average open profit per position: +67.3% as of 3/1/17 – includes dividends
THE IXTHYS SAFE HAVEN PORTOLIO™
The MDI has signalled an UP MARKET as of 06/30/16. All available cash should now be out of the Safe Haven
Portfolio and in the IXTHYS Portfolio above. The MDI signal worked perfectly for us. Between the DOWN
Market Signal on 9/22/15 and the current UP Market Signal we gained:
+14.9% in the Safe Haven positions
Including $10.87 per share in dividends
And lowered entry prices in all but 3 of the IXTHYS Portfolio stocks
THE IXTHYS SAFE HAVEN PORTFOLIO
Symbol Company Entry Date
Entry Price
Current Price
Div'd ROI Industry Type of Position
B-S-H
TLT 20+ Year Treasury
Bonds 22-Sep-
15 121.44 141.56 2.83 18.9% Bonds Safe Haven SOLD
ZROZ 25+ Year Zero Coupon Bonds
22-Sep-15
111.42 138.35 2.70 26.6% Bonds Safe Haven SOLD
IEF 7 - 10 Year Treasury
Bonds 22-Sep-
15 106.80 112.76 2.20 7.6% Bonds Safe Haven SOLD
GLD SPDR Gold Shares 22-Sep-
15 108.49 127.88 0.00 17.9% Commodities Hedge SOLD
FXY Japenese Yen
Currency 22-Sep-
15 80.57 94.71 0.00 17.5%
Foreign Currency
Safe Haven SOLD
XLU Utilitiy Stocks ETF 22-Sep-
15 42.21 52.14 1.23 26.4% Utilities Safe Haven SOLD
KXI Consumer Staples
Stocks ETF 22-Sep-
15 88.10 99.99 1.91 15.7%
Consumer Staples
Safe Haven SOLD
RWM Short Russell 2000 22-Sep-
15 62.37 55.33 0.00
-11.3%
Bear Russell 2000
Hedge SOLD
IXTHYS NEW HIGHLIGHTED INVESTMENT
The following company is brought to you as suggested new entries in The IXTHYS Portfolio™. All information
presented here is for informational purposes only. Please do your own due diligence before investing.
STOCK OF THE MONTH: Aceto Corporation (Nasdaq: ACET)
Industry: Generic Drugs/Chemicals
Market Cap: 464.7M
Dividend: 1.7%
Position Type: Value
Business Profile: Aceto Corporation sources, markets, sells, and distributes generics, nutraceutical products,
pharmaceutical ingredients, agricultural products, and specialty chemicals. The company operates in three segments:
Human Health, Pharmaceutical Ingredients, and Performance Chemicals. Quality control is key at the companyThe
company serves various companies in the industrial chemical, agricultural, and human health and pharmaceutical
industries primarily in the United States, Europe, and the Asia-Pacific. Aceto Corporation was founded in 1947 and is
headquartered in Port Washington, New York.
Fundamental Analysis: The company made two large purchases this year – both pharmaceutical companies – and this
dramatically cut into overall earnings. While the company has grown its top-line results, shares have been hit hard on the
lowered bottom-line. Currently shares of ACET are trading at low valuation metrics, on 0.8x sales, a current PE of only
10x earnings (half of the current S&P) and a forward P/E of under 8x expected earnings. Earnings have grown on average
28% per year over five years. Consensus estimates for the coming quarter have rising in recent weeks now that those two
purchases are being integrated.
Technical Analysis: Shares are trading at 30-month lows here and should be at or very near a long-term bottom. The
post-eps flush-out has produced bullish divergence on the daily chart. Excellent place for a starter position.
IXTHYS WATCH LIST
The following companies are brought to you as part of our ongoing research process. These are companies that
have passed most or all of our financial and ethical filtering process but for various reasons are not yet ready
for long-term investments. They remain “stocks of interest.”
THE IXTHYS PLAN FOR PERSONAL FINANCES™
The IXTHYS Plan for Personal Finances™ is a system developed by Dr. Thomas Carr. It is based on a passage
from one of the Apostle Paul’s letters (2 Corinthians 9:6-11). The IXTHYS Plan is summarized by the three boxes
below. Whereas most personal finance plans teach you to live small, cut back, save, and hope for the best, Dr.
Carr’s system teaches the 7 essential skills needed to increase your income, multiply that increase, and invest it
strategically in order to build life-changing, long-lasting wealth.
In future issues of The IXTHYS Letter, you will learn more about this system and how God wants to partner with
you as your steward your finances toward the fulfillment of the dreams He has placed in your heart!
The IXTHYS Plan video: CLICK HERE
IXTHYS FINANCIAL WISDOM
3 Pearls of Wisdom from Dave Ramsey
Note: Dr. Carr and The IXTHYS Letter neither endorse nor reject the following advice
The following comes from WiseBread (blog website)
Between his best-selling books, radio show, and motivational speeches, Dave Ramsey has
been giving solid personal finance advice for more than two decades. He takes a no-
nonsense approach to managing money — just the way I like it — while offering advice
that's practical, actionable, and guaranteed to put you on the path toward financial
freedom. Ramsey's pearls of financial wisdom can help you get ahead and gain control of
your finances. Here are three of my favorites.
1. Don't Worship Stuff
Many people grow up thinking they need stuff to be happy. We often confuse our wants
with our needs, and convince ourselves we "need" a big house, a fancy car, and
everything else in between.The more we have, the more successful we feel. The
problem, however, is that stuff costs money — money we might not have.
In his book, The Total Money Makeover: A Proven Plan for Financial Fitness, Ramsey nails it when
he says, "We buy things we don't need with money we don't have to impress people we
don't like." Ain't that the truth.
Some of us become so obsessed with keeping up that we sacrifice our future financial
health and willingly go into debt just so others will think we're successful and can afford
a certain lifestyle. However, the joke's on us because this type of thinking gets us
nowhere financially — and fast.
The best thing you can do for your money is stop worrying about the opinions of others
and realize stuff doesn't make you happy or richer. Ramsey encourages "living
substantially below your means." Just because you make $75,000 a year doesn't mean
you have to spend $75,000 a year. Simplicity is key to acquiring financial freedom.
2. Build a $1,000 Emergency Fund — Now
According to Ramsey, this is the first step to financial stability. This doesn't suggest you
can't have more in your emergency fund. Like many other financial experts, Ramsey
speaks about the importance of having a sizable cash cushion — at least three to six
months of income. But since this takes time, Ramsey's Financial Peace University
program recommends baby steps and starting with a $1,000 emergency fund.
This ensures enough cash to handle life's curveballs, so you don't have to rely on credit
cards. This might come as a shock, but building a small emergency fund takes priority
over paying off debt (although you'll still need to make minimum debt payments while
growing a small emergency fund).
Do whatever you can to build this emergency fund. For example, sell stuff you don't
need at a yard sale, work overtime, or get a side hustle. The idea is to fund this account
as soon as possible. You'll enjoy peace of mind knowing you can handle an emergency,
and it's only after building an emergency fund that you can start improving other areas
of your personal finance.
3. Don't Be a Slave to a Lender
We live in a world where anything can be financed — from electronics to houses. And
some people fall in the trap of thinking they can afford something as long as they're able
to make the minimum payments.
Ramsey's financial philosophy revolves around living debt-free. He's a big believer in not
carrying any type of debt, including an auto loan and a mortgage. In fact, he says he
would rather ride a bike than take out a car loan.
In his book, Financial Peace Revisited, Ramsey says, "We want it all, and we can borrow to
get it all, before we can afford it all." For some, getting a loan or credit card has never
been easier. But the more debt you have, the more you have to work, and the less
money and time you'll have to enjoy your life.
Once you have a small emergency fund, Ramsey says it's time to tackle your non-
mortgage debt. Not just your credit card debt — all of your debt. He feels that debt-free
living isn't just about paying off revolving debt, but also paying off student loans and car
loans.
He recommends the debt snowball method, in which you pay off your smallest balance
first. You'll make large payments toward this debt every month, while making the
minimum payments on all your other debts. After you get rid of the smallest balance,
take the money you were using to pay off this balance and apply it to the next smallest
balance, and so on. You'll eventually pay off your debts, at which point you can start
increasing your $1,000 emergency fund, aiming for three to six month's worth of
income.
After paying off debt and building a "real" emergency fund, Ramsey puts the focus on
your mortgage and encourages paying off this debt as fast as you can. Becoming
mortgage-free might feel like a stretch, but since you don't have other debts hanging
over your head, you're able to increase your mortgage payments without breaking a
sweat and pay off this debt years sooner.
That's the American dream if I've ever heard of it.