Tardus Rate of Return Question

[Zachary Blomberg]

Hi! I am considering working Tardus Wealth Strategies to help build passive income, but I’m a bit skeptical about their supposed return rate. I had my initial consultation with them and they said that my first investment would be $2500 to make $77 a month passive income. But that ends up being a 37% return annually, which seems incredibly high. Their income snowball video mentions an example of investing $10,000 to make $340 per month, which again is a 41% rate of return. Has anyone here worked with Tardus, and if so can you vouch for these numbers? Thanks!

[Davis Hanai]

Quote from @Heidi Backer:

Can you show the calculations behind the strategy? I have been looking at Tardus and attending some of the webinars, and reading reviews and what I am struggling with is no one addresses the risk side...Prosper, paperstac, crypto, etc. all have risk...as does any investment. And yes, I invest on Prosper in $25 increments, but I have still had defaults. Same with real estate crowdfunding - there are defaults. Crypto values plummet, etc., etc. Also, Upgrade (which is what I was told I would need to work with Tardus) charges 12-20% interest on their LOCs...so while you may be paying it off in 3-4 months, you are still paying interest that accrues daily on those loans...which I why I need to see the actual calculations. 

Also - do you need to use a LOC or can you just use idle cash on hand? Why not borrow from your 401K and pay yourself back? Or your life insurance (assuming you have the ability to borrow)?

I am a Tardus client and I have been very happy with my results. Every investment has risk, and Tardus doesn't tell you what you have to invest in. The Tardus coaches help you develop your "buy box" and criteria for evaluating various investment opportunities, whether it be fast burning fuel or slow burning fuel. The coaching also shows you how to use short term leverage in a way that is systematized and fairly safe. Yes, you are paying LOC fees, but because you are paying it down with your initial cashflow and cashflow created from the assets, they should never get to the point of overwhelming or killing the momentum (obviously you want to lowest LOC interest as possible...).

Some Tardus clients use Life insurance policies instead of a LOC. Some use 0% credit cards. Lots of ways to do it. I am not sure Tardus giving you the "actual calculations" would really do anything as I would suspect you would still be skeptical. Instead, I would suggest you create an excel sheet with the line of credit interest rate you would reasonably be able to get. Google an amortization calculator to punch in numbers. You could take prosper which ranges from 5-12% returns I believe...just take a lower number like 5 or 6% to account for defaults into your model. With all this information you could model for yourself what your results would be end of year 1, year 2, etc. and compare if you just dollar cost averaged your excess cashflow into the same asset.

If reverse engineering the system does not sound appealing to you, that kind of is the point of getting the coaching.  Everything Tardus teaches can technically be created/systematized on your own if you want.  You are paying to accelerate your knowledge base and surround yourself with a pretty cool community imho.  It is no different than paying a guru to teach you a certain real estate niche or attending a BP bootcamp or getting a college degree, all the information if freely available, but many choose this route because it accelerates the path to success.  Its all about systems and processes.  Tardus teaches a framework for working with short term leverage in a risk adjusted way, so that you can accelerate your cashflow base to most likely later use long-term leverage in a risk-adjusted way.

Hope that helps!