Secure Your Future

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Special report on using income property investing to generate future wealth.

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Secure Your Future

  1. 1. Safeguard your retirement with real estate. Phil Levy, REALTOR®, CA DRE Lic # 01850664 Intero Real Estate ServicesNot intended as a solicitation if your property 28225 Newhall Ranch Roadis subject to a Listing Agreement with another Valencia CA 91355broker 888.706.5389 www.jpscvrealty.com
  2. 2. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664is subject to a Listing Agreement with another Intero Real Estate Servicesbroker 28225 Newhall Ranch Road Valencia CA 91355 888.706.5389 www.jpscvrealty.com Did you know that nearly half of Americans aren’t saving a dime for retirement? According to a recent survey conducted by financial services trade association LIMRA, about 49% of Americans say they aren’t contributing to any retirement plan. This trend is disturbing, especially considering that millions of Americans are relying on Social Security and other government programs to provide retirement income. The reality is that these programs just won’t be able to provide the retirement you deserve. Additionally, many people who are saving for retirement are unfamiliar with individual retirement accounts (IRAs) and how they work. In fact, nearly half of the questions posed about IRAs in the LIMRA survey were answered incorrectly. But a lack of understanding shouldn’t prevent anyone from preparing for his or her future. 49% An IRA is simply an investment account that’s protected from most of Americans are taxes and liability. Of those investing through an IRA, the vast majority does so through a bank, credit union, savings and loan, or other IRS- not contributing to approved institution that invests it in stocks, bonds, and mutual funds. any retirement plan. But the IRS also allows you to use an IRA to invest in real estate. It’s called a Self-Directed IRA. Investing in real estate, by comparison, can give you much greater returns. The graph below compares the return on investment (ROI) for the stock market with the ROI (cash-on-cash return) for real estate from 2000-2011: Return On Investment: Stock Market vs. Real Estate 2000-2011 $200,000 This graph depicts the difference in return on investment between the S&P 500 and real estate $150,000 Real Estate from 2000-2011 (Aug.) Real Estate Initial $100,000 $201,815 Investment Stock Market Positive 101.8% Stock Market $50,000 $76,200 Negative 23.8% $0 © 2012 Charfen Institute. All Rights Reserved. The reason for this boost in returns is simple: cash flow. Cash flow—in the form of rent—keeps the money coming in vafter all expenses have been paid. In addition to a greater return, real estate has offered less volatility than the stock market over the last 40+ years, even though stocks are often considered a more conservative investment vehicle. A look at real estate appreciation rates over the last 40+ years shows that there have only been 4 years of negative appreciation. The lowest was -13% in 2008. Disclaimer © 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.
  3. 3. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664is subject to a Listing Agreement with another Intero Real Estate Servicesbroker 28225 Newhall Ranch Road Valencia CA 91355 888.706.5389 www.jpscvrealty.com By comparison, the S&P 500 has had a Residential Real Estate Appreciation Rates 1969-2011 total of 11 years of negative appreciation 15 12 with a drop of nearly 40% in 2008. 9 6 So how can you start leveraging your Appreciation Rates 3 retirement savings with real estate? The 0 first step (whether the funds are in a 401(k) -3 -6 or a traditional IRA) is to roll them into a -9 self-directed IRA. There’s no penalty for -12 doing this and, as its name implies, a self- -15 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 196 197 197 197 197 197 197 197 197 197 197 198 198 198 198 198 198 198 198 198 198 199 199 199 199 199 199 199 199 199 199 200 200 200 200 200 200 200 200 200 200 201 201 directed IRA (SD IRA) allows you to direct the investment activity of your retirement © 2012 Charfen Institute. All Rights Reserved. funds. Unfortunately, self-directed IRAs are even less understood than traditional IRAs. S&P Appreciation Rates 1969-2011 Financial institutions are often reluctant to communicate the SD IRA option to 35% 30% 25% investors because it’s less profitable for 20% 15% them to manage and fewer institutions are Appreciation Rates 10% 5% proficient at handling it. 0% -5% -10% But don’t let this stop you from securing -15% -20% your retirement. Using a SD IRA to -25% -30% invest in real estate gives you the choice -35% -40% of how to invest for your retirement, not 7 9 0 1 2 3 4 5 6 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 197 196 197 197 197 197 197 197 197 197 197 198 198 198 198 198 198 198 198 198 198 199 199 199 199 199 199 199 199 199 199 200 200 200 200 200 200 200 200 200 200 201 201 a financial institution with little to lose if © 2012 Charfen Institute. All Rights Reserved. the investment doesn’t pan out. Relying on Social Security and other government programs when our working years are done is simply not enough. There’s a much better way. Investing in real estate the right way can provide immediate cash flow and build wealth in the long term, so you don’t just retire well—you can retire wealthy! Investing in real estate the right way can provide immediate cash flow and build wealth in the long term, so you don’t just retire well—you can retire wealthy! If you’re interested in giving your retirement a boost and diversifying your investments, I can help find you favorable properties and point you in the right direction. I have specialized training that includes investing in real estate for retirement and can show you why it’s a popular strategy of experienced investors. It’s much simpler than most people think. I can tell you more about the process and refer you to the financial professionals on my team who can help you start building your retirement wealth. This method is certainly more proactive and lucrative than leaving your retirement funds in the hands of a financial institution and simply hoping for the best. Disclaimer © 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.
  4. 4. Not intended as a solicitation if your property Phil Levy, REALTOR®, CA DRE Lic # 01850664is subject to a Listing Agreement with another Intero Real Estate Servicesbroker 28225 Newhall Ranch Road Valencia CA 91355 888.706.5389 www.jpscvrealty.com START SECURING YOUR RETIREMENT! As a Certified Investor Agent Specialist (CIAS) designated agent, I can easily help you navigate the investment real estate market and Unlock a World of Real Estate Wealth! I’ve built a team of incredible real estate professionals that can help you before, during, and after your acquisitions to help you minimize risk and maximize your returns. Don’t get caught with low or no retirement funds! Start planning for your future now! It’s more possible than you think. Take advantage of the record- low home prices and fixed mortgage rates—act today! Visit my website for pre-analyzed investment deals, helpful articles, and videos that address some of the common issues listed in this report. Call me today, and secure your future! Disclaimer © 2012 All Rights Reserved. The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice. It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner.

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