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Infrastructure Income -- for Life and Retirement

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Overcome the fear of outliving your money. Infrastructure income adds to the other life-income mandates to support life, retirement dreams, health and comfort through senior years, and guard your personal freedom and independence. Basic introduction here on infrastructure and its place in securing wealth, life income, and family estate values.

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Infrastructure Income -- for Life and Retirement

  1. 1. INFRASTRUCTURE INCOME <> A KEY TO LIFE LONG INCOME Brian Weatherdon MA, CFP, CLU, CPCA Author, Speaker, Financial Planner. Aligning your Wealth & Life to overcome fears and secure your income, lifestyle, & comfort to age 105
  2. 2. Before proceeding . . . . • Continuing into these slides signifies you realize one person’s story cannot be representative of what everyone else should do. This story is personal and not prescriptive for what you should do, nor for how your advisors may guide you. • • Stories in this wider series capture different approaches to value and decisions in business, pension, savings, and the results for personal security, life income, and family estate. • • Visit www.GuaranteedIncome4Life.ca And 5-star rated book (Amazon, Kindle, bookstores) “A Lifetime Of Wealth -- And How Not To Lose It”
  3. 3. Among your Life-Income Mandates • In a discussion of life-income mandates : »Global dividend income »Global real estate income »Global infrastructure income »Global fixed-income »Life pay-out annuities. * Sample resources listed at back
  4. 4. Infrastructure has a history • Roman roads, Chinese great wall. • Aquaducts and other infrastructure dating back 2000 years. • Railroads and utilities of 150 to 200 years ago. * Infrastructure can last a very long time.
  5. 5. “Regulated” versus “User Pay” • Regulated assets can include transmission and distribution of electricity, gas, water, etc. Such pay in good times and bad, offering stability throughout economic cycles. • User-pay assets include tolls on road & bridges, railways, shipping, ports, and so on. Vigorous in a strong economy, can lag in recessions. * Infrastructure pays ongoing income to owners, public, private, or jointly.
  6. 6. What we see or use each day... • • • • • • • • Toll bridges and highways. Pipelines, oil services, energy terminals... Railroads, ports, airports... Water / sewerage systems All forms of power generation Telecommunications / broadband Electrical grid / transmission Hospital property / services
  7. 7. Resilient cash flow (ie. Income) • These assets can continue in service for many years or decades. • May include monopoly pricing that is projected to keep rising. • Offer resilient and predictable cash flows, attractive yield, low risk, inflation protection. * Valuable to sustain income and reduce risks to wealth and lifestyle.
  8. 8. Reduces risk of outliving money... • Interest rates today are near the lowest since 1950. Cash pays little. Bonds suffer losses as interest rates will be rising again. Yet .... – Global Infrastructure RARE 200 Index: – Global Property FTSE EPRA/NAREIT Index: – Global Equity MSCI World Equity Index: 7.3% /year 5.4% /year 3.7% /year * 5 year returns from mid-2008 to mid-2013 comparing world indexes for infrastructure, real properties, and equities. When world markets fell 70% and global dividends fell 30% infrastructure income was rising....
  9. 9. $60 Trillion discussion • Combine the existing infrastructure today • Add repair & refurbishment needed asap • Plus new development in emerging nations • Each can represent near $20Trillion value. • All represents value & income to its owners. • It’s not going away; reservoir for life income!
  10. 10. Infrastructure for life income... • Aging society needs income. Today’s interest rates fail to protect income for our 80s, 90s... • Pure equities represent high risk. Each decade markets will tumble 20%, even 50% or more. • Infrastructure offers a “Life Income Mandate” to protect your future, freedom, family, and financial independence.
  11. 11. More about “Life Income Mandates” • Life Income Mandates is a process to align wealth with the life you choose, and support perpetual and increasing income. See http://www.guaranteedincome4life.ca/blog/life-income-mandates/ • Blog specifically on Infrastructure investing: http://guaranteedincome4life.ca/blog/infrastructure-income-helps-secureincome/
  12. 12. Questions to help . . . • What experiences do I want to enjoy in retirement and through my 80s, 90s, & beyond? Am I sure my wealth will last? How will income sustain my desired lifestyle, health/comfort, and loved ones? • How can this discussion support my life income? Which advisors, or friends will I share this with now? What support do I need to move forward with this? • Who can I reach to discuss any gaps in my current planning? What resources can I find to help me?
  13. 13. Resources to explore further . . . • Experience this website to help focus on your future: www.GuaranteedIncome4Life.ca • Get this 5-star book (Amazon/Kindle/bookstores) “A Lifetime Of Wealth – And How Not To Lose It” http://www.amazon.com/Lifetime-Wealth-how-not-lose/dp/1489579540/ref=sr_1_1? ie=UTF8&qid=1380311791&sr=8-1&keywords=a+lifetime+of+wealth+-+and+how+not+to+lose+it

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