"I had very little understanding other than what the media poured out at us and I thought "Oh interesting what they're saying", but that was as far as my knowledge went. If someone told me years ago that I'd be looking for the market to crash before I entered, I would've told them "That's just nuts! That's crazy!" But now I know better."

— Laura Brown (Retail)

"The '87 crash, I spent 2 days pacing the kitchen floor; the '97 crash, i didn't sleep for 2 days; the GFC I was in the middle of a divorce, everything was gone and I just resigned myself to whatever happens happens, and they were huge losses — I would like to say that because of Terry and because of the St. Louis index, the pullback that happened in November and December last year, I slept easy. So, for me that's very, very valuable information and peace of mind is just gold."

— James Doyle (Airline Pilot)

"What Terry's taught me is wait to see a downturn in the economy which means there's negative news like Brexit orTrump becoming president - and what happens to the share market is it drops because all these fears comes into place... Everyone else was freaking out and selling and we were coming in and buying - it was just like this wave and it popped back out and I literally made 20% like that. It was just like the easiest thing that i've done, and I just paid for the course multiple times over just from that."

— Andrew Roberts (CEO / Entrepreneur)

"I just listened to Terry on the Inner Circle webinars – his ability to read the market, look at the indicators and make a prediction – I can sit back and go okay he's saying "Yes there will be a major pullback but the St. Louis index doesn't indicate that today. In 12, 18 months that might be a different matter but we can say today that it's not going to be a major correction." and that to me is very, very, valuable."

— James Doyle (Airline Pilot)

"Over the years whenever my super's down a financial planner or advisor would say: "That's normal. That's part of the long-term investing strategy. You get in, you sit on it – all in all in 20-25 years you come out quite good". But Terry was saying to me "Why not compound significantly your returns over a 5, 10, 15, 20 year period? If you got out at the top, go back in at the bottom, got out of the top – so you are riding the overall strength of the market over a 20-25 year period but adding a lot of profitability along the way as opposed to just hoping the market goes up in 20 years' time."

— Chester Cutinha (Job Flow Supervisor)

"Well for me I remember towards the end of 2018, that "Oh look all these fund managers lost money during that period" and I remember one of the fund managers was losing like 30%+. I was very excited – I went (to Jun) "Look! We beat all the fund managers!" It was exciting that we not only protected our capital during the market downturn but we also made money out of it!"

— Chandara Kev (Electrical Engineer)

"Warren Buffett said, "Be greedy when everyone's fearful and be fearful when everyone's greedy". Now that's a fantastic statement but the next step is"Okay how do I actually make a profit off that? How do I do that in real practical terms? When do I buy? When do I sell?" Terry's explained that to me."

— James Doyle (Airline Pilot)