Here are some of the most Frequently Asked Questions about how a SmartKnowledgeU™ education can help you achieve financial freedom.

A: No. SmartKnowledgeU™ provides no personalized investment advice. SmartKnowledgeU™, LLC does not provide individual investment advice, manage money, or act as an investment advisor. We are an educational system and investment research service only and provide no money management services. Our educational curriculum teaches our customers how to leverage the best possible information sources that have been made available through the flattening of the information world to identify stocks with low-risk, high-reward setups and many stocks and asset classes that are largely ignored or unknown by the average investor. Thus, while we do not provide any specific and personalized investment advice, we do provide a revolutionary system of investing strategies and an investment education that will last a lifetime. Our two investment research services, the U.S. Stock Picker and the Global Stock Picker, discusses our favorite stock picks based upon our proprietary strategies in 12 monthly issues per annual subscription. While we offer our opinions about specific asset classes and stocks, our opinions are strictly for informational purposes and should not be construed as investment advice. While J.S. Kim, family, and associates may own the stocks discussed in our newsletters, to avoid a conflict of interest, no stock discussed in our newsletters will be sold or bought within 24 hours of any discussed buy or sale unless a sale is automatically triggered by a stop-loss recommendation strategy that has been previously discussed and was previously in use prior to the publication of any monthly newsletter.

A: Upon payment access to all content of your paid subscription level, your username and log in will be activated in about 24 hours. There are only two reports, the SmartKnowledgeU™ Quarterly Update, and the SmartKnowledgeU™ Guide: Our Favorite Investment Opportunities that you will receive after your membership is past one week old. However, access to all other special reports included within your membership level will also be activated in about 24 hours. Access to our course content, exercises, exam questions, and special reports is all online and is made available by logging in with the unique username and password that you selected upon payment.

A: Our system relies on utilizing information made available, some only within the past several years, to identify corporate money trails to significantly change the risk-reward paradigm from the advantage of the big investment firm to the individual investor. Our MoneyPing™ strategies leverage information regarding the close ties among governments, powerful financial institutions and corporations to identify the best investments opportunities in the global arena. In doing so, we do not rely on fundamental or technical analysis as our primary screens, but instead rely on other sources of predictive information highly correlated to annual returns of 25% or more.

Accesibility to corporate, political, and financial information has increased tremendously over the past decade, yet we at SmartKnowledgeU, are the only ones that have learned how to leverage this information to better predict the best and safest places to invest your money. We call our strategies the long tail of investing and believe that they are the only strategies you should ever place your faith in when deciding how to allocate your hard-earned dollars, yen, or euros.

A:Please click here to read more about the philosophy we utilize and for the latest performance return figures of our Global Stock Picker investment newsletter.

A: Most investors take the well-traveled, broad path to mediocrity. They simply hand their money over to a big firm that then uses the lowest common denominator, the Modern Portfolio Theory of Diversification, to invest your money into a portfolio so diversified; you are virtually guaranteed mediocre returns year after year after year. To earn superior returns, you absolutely must take the path to excellence that very few investors are willing to take. And that path requires learning how to do-it-yourself.

Again, if you view this path as a lifelong commitment and place it in its proper perspective then the choice should be a simple one. Most people commit at least eight to twelve hours a day to a job, that unless it pays you more than several hundred thousand dollars a year, will never earn you financial freedom. Learning to invest your money properly is far more likely to earn you financial freedom than your job. Most people again, will freely devote another five hours a week outside of work for professional designations that enhance their “sale-ability” as a professional but yet again, are unlikely to earn them financial freedom.

Depending on the pace you work at, an hour a day will most likely be sufficient for the majority of people to complete our course including all exercises and exams within six months to a year to feel sufficiently ready to utilize our strategies. Again, this is just a rough estimate, as certainly particularly motivated individuals or those that are not working full time with more free time will be able to complete our entire course within a month to several months, leaving more time to review practice exercises before actually putting our strategies to work for them.

A:Think of this as an investment that will last you the rest of your lifetime that will help you build wealth and achieve financial freedom. If you have a large account with a global investment firm and execute three to five trades that involve large blocks of shares, your commissions alone for these few trades can exceed several thousand dollars. If you buy a flat screen plasma TV, you will most likely pay in the area of $4,000 or more. One nice family vacation is sure to cost you more than $5,000. And if you buy something as simple as two Starbuck frapuccinos a day, M-F, throughout the year, within 2 years, you will spend over $5,000 on coffee alone.

Furthermore, since our system allows you to identify some of the safest places to invest money, we allow you to invest with less risk and worry as conventional means of investing. If you have 30 years, or even just 20 years of investing left in your lifetime, the price to learn our comprehensive system will cost you less than $1 a day. As our strategies have led to periods of time where our client portfolios have added $100,000 in gains in just a couple of weeks. For further information on our value compared to other investment services, please download our FREE e-book by visiting this webpage and entering your email.

A:Again, we do not provide any specific, personalized advice through any of our SmartKnowledgeU™ services. We receive hundreds of inquiries every day and it is impossible for us to respond to each inquiry individually. However, if many of our members have the same question, then we address these questions in special member alerts, updates to curriculum, or the following month's newsletter (in the case of our investment newsletter). As far as individual consultations, we have another company, Blue Ocean Investments, LLC, that will handle individual consultations. Please check our homepage for more information regarding this service.

A: When markets are doing well, everyone is an expert - a rising tide lifts all boats.



Ten years ago, when the U.S. markets were returning about 18% a year, nobody needed any help. This is the saying in surgery as well – Surgery is incredibly easy if everything goes right. But what if things go wrong? Even when things go right, investors should be clearing 40% a year if market indexes are returning 18% with a proper investment system such as ours, so most individual investors still leave significant gains on the table. Similar markets to those times in the U.S. are now being experienced in Asian markets like China and India. However, all emerging markets will correct steeply at some point.

It is during these times, that most individuals that felt they were fine on their own will lose 20%, 30% or more very quickly. In fact, when I spoke to many of those people that in the early 90's "didn't need help" during market downturns and asked them what they were doing, the overwhelming majority said, "just sitting tight and waiting for markets to come back." This is not a strategy. If you lose 30% in down markets then you will need to earn over 60% the next year just to earn a 15 % return from the point the markets started falling. A great system will make you money in market downturns as well as market bull runs. That’s the advantage the SmartKnowledgeU™ investment system gives you. Our system will grant you the best chance of making money during turbulent global markets as well as bull global markets. You can review for yourself the incredible benefit of learning the longtail of investment strategies by tracking our “Success Stories” page by clicking on the button at the top of this page.

A:Yes. As we stated in our Legal Notice, Disclaimer and Terms of Use link available at the bottom of all our webpages, a single username and password may NOT be shared among multiple persons. All individual memberships are monitored daily for username and password sharing violations, and any violations of our Terms of Use are sufficient grounds for membership termination and forfeiture of all paid membership fees. If you wish to purchase a corporate membership package, there is a minimum number of five memberships required to qualify. With a minimum of five memberships, we will apply a discount of $1,000 per individual. For example, if you wanted to purchase a Platinum corporate membership plan for five individuals, your total cost, if the individual Platinum membership rate at the time is $6,300, would be 5 x $5,300 = $26,500. Please simply email us at info-at-smartknowledgeu-dot-com and we will be happy to set you up with a corporate membership plan.