This document presents arguments against traditional retirement savings plans like 401(k)s and recommends alternative savings strategies. It claims that 401(k)s are risky and have high fees, and that most Americans do not have adequate savings for retirement. Studies are cited showing poor long-term returns for investors in mutual funds due to market volatility and poor timing of purchases and sales. The document promotes the idea that retirement savings need to be protected from market downturns and provide guaranteed lifetime income. Alternative options like privately run guaranteed retirement accounts are proposed.
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
JP Maroney shares an alternative investment strategy called Digital Marketing Arbitrage to individual investors in a presentation called "Digital Black Gold: How to earn double-digit returns in a single-digit economy."
Many are declaring that 60/40 is a bad mix because bonds are riskier than they have ever been. But stocks are also extremely risky. Add likely inflation to the mix and it's big time scary. We'll discuss what do on 4/20/21 https://www.youtube.com/watch?v=PsKGK7IY9ls
COVID costs of $5.2 trillion are colossal, exceeding the costs of World War II. Watch our 3/23/21 live broadcast at https://www.youtube.com/watch?v=A2Wy3YFr_VQ
The document discusses alternative strategies for financing large purchases and saving for retirement compared to traditional bank loans and qualified retirement plans. It introduces the concept of an "IRC 7702(a) Private Plan", which allows savings to grow tax-free and be withdrawn tax-free, unlike qualified plans. The plan is presented as a way for baby boomers to better plan for retirement outside of the current system, which many have not saved enough through. Contact information is provided to learn more about setting up a private plan.
How to eliminate market risk with the potential to earn up to 15% per year tax-free, have the option to borrow tax-free with no need to repay the loan and take monies out tax-free before or after retirement.
This document discusses retirement planning and alternatives to traditional 401(k)s and IRAs. It argues that 401(k)s have high fees and are a poor investment for retirement. Alternative options presented include index universal life insurance policies that allow tax-free growth and access to funds for retirement income, critical illnesses, or chronic conditions. The document claims these policies provide better returns and guarantees than traditional retirement accounts while avoiding taxes and market risk. Disclosures note that withdrawals are subject to surrender penalties and tax liability.
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
JP Maroney shares an alternative investment strategy called Digital Marketing Arbitrage to individual investors in a presentation called "Digital Black Gold: How to earn double-digit returns in a single-digit economy."
Many are declaring that 60/40 is a bad mix because bonds are riskier than they have ever been. But stocks are also extremely risky. Add likely inflation to the mix and it's big time scary. We'll discuss what do on 4/20/21 https://www.youtube.com/watch?v=PsKGK7IY9ls
COVID costs of $5.2 trillion are colossal, exceeding the costs of World War II. Watch our 3/23/21 live broadcast at https://www.youtube.com/watch?v=A2Wy3YFr_VQ
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
This document provides information about a workshop on helping women achieve their financial goals through investing. It begins with background on women's increasing roles in the workplace and financial decision making. The workshop agenda covers setting goals, assessing one's current financial situation, paying down debt, saving and investing for goals like retirement and children's education through various tax-advantaged vehicles and asset classes. It emphasizes the importance of getting organized, paying oneself first through automatic savings, and potentially working with a financial advisor.
For more information contact: emailus@marcusevans.com
Philippe Desfossés delivered his presentation titled "Embracing an Enduring Investment Approach to Thrive in the Long Term" at the European Pensions & Investments Summit 2012.
Join the 2015 Summit along with leading regional pension investors and global asset managers in an intimate environment for a focused discussion of key new drivers shaping institutional investment strategies today.
For more information contact: emailus@marcusevans.com
Raising the minimum wage would have several positive economic and social impacts according to the document. It would stimulate consumer spending and economic growth by putting more money in the hands of minimum wage workers. It could also lead to more job opportunities as businesses hire more workers to meet increased demand. Additionally, raising the minimum wage may decrease expenses for social programs and reduce employee turnover rates as minimum wage workers feel more financially secure and satisfied in their jobs. However, some argue that raising wages could increase inflation, though the document asserts that it could actually help minimum wage workers keep up with rising prices. Overall, the document makes the case that modestly raising the minimum wage could have broad benefits for both businesses and low-income individuals.
Stanford CS 007-10: Personal Finance for Engineers / Additional TopicsAdam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Mark Miller, author of the forthcoming The Hard Times Guide to Retirement Security and editor and publisher of RetirementRevised.com spoke on the challenges and solutions facing boomers in the transition years.
This document contains information about unemployment from a macroeconomics lecture. It defines key terms related to unemployment such as the unemployment rate, labor force participation rate, natural rate of unemployment, and types of unemployment like cyclical, frictional, and structural unemployment. It also provides details on how unemployment is measured in the U.S. by the Bureau of Labor Statistics through different surveys. Tables show breakdowns of the population, labor force, and unemployment rates.
Endowment Investing (Applied Portfolio Management - March 2019)gooseinoz
The document discusses managing the endowment at the University of Kansas (KU). It provides background on KU's endowment, which stands at $1.5 billion and supports over 6,500 scholarships annually. The three main methods for generating investment returns are discussed as security selection, market timing, and asset allocation, with asset allocation noted as accounting for over 100% of returns. Various asset classes and their historical returns are presented, including alternatives. Principles of endowment investing emphasize holding a diversified portfolio with investments in private markets to increase long-term returns.
Does raising minimum wage reduce poverty canada - may 2017paul young cpa, cga
Government is looking at ways to help people. The problem is forcing more rules and regulations will do little to help people as business will always look for ways to reduce cost.
Consumer confidence in Ireland is at its highest level in a year according to a recent survey, suggesting that consumers feel the economy may be recovering. However, consumers remain reluctant to increase their spending until they are certain the recovery will last. While over half of consumers expect the Irish and world economies to improve or stay the same in the next six months, most are not yet willing to spend more on entertainment, groceries or holidays. Younger consumers and those in higher social classes are most optimistic and likely to increase spending first if signs of recovery continue. Policymakers must reinforce this growing consumer optimism to help drive Ireland's exit from recession.
Fixed income and endowment portfolio managementgooseinoz
This document provides an overview and agenda for a presentation on fixed income and endowment portfolio management. It discusses the role of bonds in a portfolio, focusing on providing defense, liquidity and yield. It notes that bond returns have diminished with low yields. It then explores alternative credit strategies like direct lending, asset-based lending and collateralized loan obligations (CLOs) as higher returning alternatives. CLOs in particular are discussed, showing their historical returns have been higher than bonds.
The document discusses accumulating wealth over a lifetime for financial security and retirement. It notes that most savings plans are inadequate due to everyday living expenses and risks like disability, death, or economic downturns. The document advocates paying yourself first through savings and investments, and ensuring income replacement through disability and life insurance to protect your future financial potential and human life value.
Welfare effects of fiscal policy in reforming the pension system - ASSA 2018 ...GRAPE
This document analyzes the welfare effects of fiscal policy reforms to pension systems. It challenges the view that pension system privatization reduces welfare in stochastic frameworks. The authors provide an overview of interactions between pension reforms and fiscal policies, and decompose the overall effect of reforms into changes in insurance and efficiency. Their results show that capital tax increases have the highest welfare gains due to improved efficiency, while progressive taxation has the smallest welfare losses due to maintaining insurance. They also find that reforms can improve welfare and gain political support, depending on the fiscal policies used. Insurance losses from reforms are important but not decisive factors when evaluating privatization.
The reality is now one of every 9.5 dollars we create through our employment is consigned to pension fund coffers, a 7.9% increase in 2 years. Every dollar lost in ineffective market myths requires we make another 9.5 more to replace it. Sispyhus is no myth, we live it every year. We keep-on having to roll that burden of losses from conventional market myths and their methods. All society must pick-up their slack from those losses. We must bend our knee as a society and push the rock, again and again. The financial industry managers, and politicians at their prompting, just keep telling us to push harder, "Sisyphus, shoulder your rock."
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
The Aviva Real Retirement report - Spring 2013Aviva plc
Welcome to Aviva’s Spring 2013 Real Retirement Report. We are into our third year of tracking the concerns and finances across three distinctive ages of retirement – pre-retirees (aged 55-64), retiring (65-74) and long-term retired (over-75) – and continue to find new realities and challenges emerging.
Michael Durante Bank of America- Camel UpdateMichael Durante
This document provides a CAMEL analysis update for Bank of America as of the first quarter of 2012. It summarizes that BAC has dramatically increased its capital levels, liquidity, and balance sheet strength in response to new regulations. Despite regulatory challenges, BAC has continued improving its asset quality by reducing non-performing loans and charge-offs. The author argues that BAC's earnings power is underrated and held back by excess capital and liquidity required by regulations, and that BAC is significantly undervalued relative to its cash flows and balance sheet strength. The author concludes that BAC merits an overall CAMEL rating of 1 based on its capital adequacy, asset quality, management, earnings, and liquidity
On Thursday, May 11, 2017, Nicola Wealth Management hosted their annual Strategic Outlook event featuring presentations by NWM Chairman and CEO John Nicola and Chief Investment Officer Rob Edel.
NWM Financial Advisor Mark Therriault and NWM CIO Rob Edel examine current events and trends that may impact investors and assess the effectiveness of several wealth management strategies.
Eliminate worry and anxiety over market volatility by eliminating market risk. Grows tax-free, loans are tax-free and need not be repaid; distributions before or after retirement are tax-free and do not count toward social security threshold income.
How to set up a retirement plan alternative which eliminates market risk, has potential to earn up to 15% tax-free, provides for tax-free loans which need not be repaid and allows tax-free distributions at any age. It removes worry and anxiety caused by market volatility by locking in the annual high-water cash value. It's imaginative, innovative and outside-the-box and it's approved by IRS rule 7702
The document summarizes key principles for retirement saving and investing, including that there is no such thing as risk-free investing. It discusses options for withdrawing retirement funds, how today's employees are saving and investing for retirement, and provides homework on comparing retirement fund performance to the top 10 funds. The newsletter aims to provide straightforward retirement planning education and resources.
Could Traditional Financial Advice Be Outdated?jimkipp
Jim Kipp, a financial strategist, presented on strategies for building and protecting wealth. Traditional advice may be outdated and greatest threats include taxes, inflation, and market risk. Inflation especially undermines savings over time. Safe strategies include asset allocation tailored to each person's age and risk tolerance. Products like fixed indexed annuities can provide upside potential with downside protection. Proper planning is needed to avoid taxes eroding retirement savings and to create generational wealth that passes tax-free. The presentation proposed using a checklist and wealth index survey to help people make better financial decisions.
This document provides information about a workshop on helping women achieve their financial goals through investing. It begins with background on women's increasing roles in the workplace and financial decision making. The workshop agenda covers setting goals, assessing one's current financial situation, paying down debt, saving and investing for goals like retirement and children's education through various tax-advantaged vehicles and asset classes. It emphasizes the importance of getting organized, paying oneself first through automatic savings, and potentially working with a financial advisor.
For more information contact: emailus@marcusevans.com
Philippe Desfossés delivered his presentation titled "Embracing an Enduring Investment Approach to Thrive in the Long Term" at the European Pensions & Investments Summit 2012.
Join the 2015 Summit along with leading regional pension investors and global asset managers in an intimate environment for a focused discussion of key new drivers shaping institutional investment strategies today.
For more information contact: emailus@marcusevans.com
Raising the minimum wage would have several positive economic and social impacts according to the document. It would stimulate consumer spending and economic growth by putting more money in the hands of minimum wage workers. It could also lead to more job opportunities as businesses hire more workers to meet increased demand. Additionally, raising the minimum wage may decrease expenses for social programs and reduce employee turnover rates as minimum wage workers feel more financially secure and satisfied in their jobs. However, some argue that raising wages could increase inflation, though the document asserts that it could actually help minimum wage workers keep up with rising prices. Overall, the document makes the case that modestly raising the minimum wage could have broad benefits for both businesses and low-income individuals.
Stanford CS 007-10: Personal Finance for Engineers / Additional TopicsAdam Nash
These are the slides from the 10th session of the Stanford University class, CS 007 "Personal Finance for Engineers" This seminar covers student requested additional topics for the course, including bitcoin / cryptocurrency, derivatives, futures, options, private equity & venture capital.
Mark Miller, author of the forthcoming The Hard Times Guide to Retirement Security and editor and publisher of RetirementRevised.com spoke on the challenges and solutions facing boomers in the transition years.
This document contains information about unemployment from a macroeconomics lecture. It defines key terms related to unemployment such as the unemployment rate, labor force participation rate, natural rate of unemployment, and types of unemployment like cyclical, frictional, and structural unemployment. It also provides details on how unemployment is measured in the U.S. by the Bureau of Labor Statistics through different surveys. Tables show breakdowns of the population, labor force, and unemployment rates.
Endowment Investing (Applied Portfolio Management - March 2019)gooseinoz
The document discusses managing the endowment at the University of Kansas (KU). It provides background on KU's endowment, which stands at $1.5 billion and supports over 6,500 scholarships annually. The three main methods for generating investment returns are discussed as security selection, market timing, and asset allocation, with asset allocation noted as accounting for over 100% of returns. Various asset classes and their historical returns are presented, including alternatives. Principles of endowment investing emphasize holding a diversified portfolio with investments in private markets to increase long-term returns.
Does raising minimum wage reduce poverty canada - may 2017paul young cpa, cga
Government is looking at ways to help people. The problem is forcing more rules and regulations will do little to help people as business will always look for ways to reduce cost.
Consumer confidence in Ireland is at its highest level in a year according to a recent survey, suggesting that consumers feel the economy may be recovering. However, consumers remain reluctant to increase their spending until they are certain the recovery will last. While over half of consumers expect the Irish and world economies to improve or stay the same in the next six months, most are not yet willing to spend more on entertainment, groceries or holidays. Younger consumers and those in higher social classes are most optimistic and likely to increase spending first if signs of recovery continue. Policymakers must reinforce this growing consumer optimism to help drive Ireland's exit from recession.
Fixed income and endowment portfolio managementgooseinoz
This document provides an overview and agenda for a presentation on fixed income and endowment portfolio management. It discusses the role of bonds in a portfolio, focusing on providing defense, liquidity and yield. It notes that bond returns have diminished with low yields. It then explores alternative credit strategies like direct lending, asset-based lending and collateralized loan obligations (CLOs) as higher returning alternatives. CLOs in particular are discussed, showing their historical returns have been higher than bonds.
The document discusses accumulating wealth over a lifetime for financial security and retirement. It notes that most savings plans are inadequate due to everyday living expenses and risks like disability, death, or economic downturns. The document advocates paying yourself first through savings and investments, and ensuring income replacement through disability and life insurance to protect your future financial potential and human life value.
Welfare effects of fiscal policy in reforming the pension system - ASSA 2018 ...GRAPE
This document analyzes the welfare effects of fiscal policy reforms to pension systems. It challenges the view that pension system privatization reduces welfare in stochastic frameworks. The authors provide an overview of interactions between pension reforms and fiscal policies, and decompose the overall effect of reforms into changes in insurance and efficiency. Their results show that capital tax increases have the highest welfare gains due to improved efficiency, while progressive taxation has the smallest welfare losses due to maintaining insurance. They also find that reforms can improve welfare and gain political support, depending on the fiscal policies used. Insurance losses from reforms are important but not decisive factors when evaluating privatization.
The reality is now one of every 9.5 dollars we create through our employment is consigned to pension fund coffers, a 7.9% increase in 2 years. Every dollar lost in ineffective market myths requires we make another 9.5 more to replace it. Sispyhus is no myth, we live it every year. We keep-on having to roll that burden of losses from conventional market myths and their methods. All society must pick-up their slack from those losses. We must bend our knee as a society and push the rock, again and again. The financial industry managers, and politicians at their prompting, just keep telling us to push harder, "Sisyphus, shoulder your rock."
This document summarizes a presentation given by John Nicola, Chairman and CEO of NWM, a wealth management firm. Some key points:
- NWM manages $4.7 billion in assets for families, foundations, and trusts. They provide integrated financial advice.
- The presentation discusses tax planning strategies, such as income splitting and the most tax efficient ways to build investment capital.
- It also covers estate planning techniques like alter ego trusts and estate freezes to minimize taxes and probate fees.
- The document outlines NWM's investment philosophy of focusing on after-tax returns and managing risk through diversification across asset classes.
The Aviva Real Retirement report - Spring 2013Aviva plc
Welcome to Aviva’s Spring 2013 Real Retirement Report. We are into our third year of tracking the concerns and finances across three distinctive ages of retirement – pre-retirees (aged 55-64), retiring (65-74) and long-term retired (over-75) – and continue to find new realities and challenges emerging.
Michael Durante Bank of America- Camel UpdateMichael Durante
This document provides a CAMEL analysis update for Bank of America as of the first quarter of 2012. It summarizes that BAC has dramatically increased its capital levels, liquidity, and balance sheet strength in response to new regulations. Despite regulatory challenges, BAC has continued improving its asset quality by reducing non-performing loans and charge-offs. The author argues that BAC's earnings power is underrated and held back by excess capital and liquidity required by regulations, and that BAC is significantly undervalued relative to its cash flows and balance sheet strength. The author concludes that BAC merits an overall CAMEL rating of 1 based on its capital adequacy, asset quality, management, earnings, and liquidity
On Thursday, May 11, 2017, Nicola Wealth Management hosted their annual Strategic Outlook event featuring presentations by NWM Chairman and CEO John Nicola and Chief Investment Officer Rob Edel.
NWM Financial Advisor Mark Therriault and NWM CIO Rob Edel examine current events and trends that may impact investors and assess the effectiveness of several wealth management strategies.
Eliminate worry and anxiety over market volatility by eliminating market risk. Grows tax-free, loans are tax-free and need not be repaid; distributions before or after retirement are tax-free and do not count toward social security threshold income.
How to set up a retirement plan alternative which eliminates market risk, has potential to earn up to 15% tax-free, provides for tax-free loans which need not be repaid and allows tax-free distributions at any age. It removes worry and anxiety caused by market volatility by locking in the annual high-water cash value. It's imaginative, innovative and outside-the-box and it's approved by IRS rule 7702
The document summarizes key principles for retirement saving and investing, including that there is no such thing as risk-free investing. It discusses options for withdrawing retirement funds, how today's employees are saving and investing for retirement, and provides homework on comparing retirement fund performance to the top 10 funds. The newsletter aims to provide straightforward retirement planning education and resources.
The document provides an overview of key lessons for investing and building wealth. It recommends starting to invest as early as possible to benefit from the power of compound interest over long periods. It also suggests saving over 20% of income and looking for ways to reduce expenses. For investing, it recommends initially putting money in a low-cost S&P 500 index fund, and later diversifying across asset classes to increase returns while managing risk. The goal is to build a portfolio of assets that generate income over time.
Want to understand how our population is aging and what it means for you? Want an Action Plan for retirement? Use Abaris' simple tutorial to get answers to these questions and more.
Science has proved it: people today are living longer than ever before. But as average life expectancies have been rising, the mean retirement age has stayed more or less the same. Since 1940 the average life span has gone up about 17 years, now at about age 79, yet the average age of retirement is more or less the exact same, about 65 years old. That leaves a big gap of your life filled without a paycheck, which is why Social Security, pensions and retirement income products are so important.
Despite the importance of Social Security and pension plans, fewer people than ever have pensions today and Social Security rarely covers all of a retiree’s expenses. On average, money received from Social Security only makes up about 42% of an individual’s pre-retirement income. Additionally, Social Security reserves are suffering from underfunding, and are expected to run out by 2033 under current law. Pension plans are great in that they guarantee a lifetime income, but they’re becoming more and more rare. Today, the predominant form of individual retirement savings is in 401(k)s and IRAs. But those plans don’t automatically provide lifetime income, leaving people to struggle with longevity risk: the chance that you live far longer than you expect. If you lead a long healthy life, as you certainly hope to, you’d end up running out of your savings.One solution? Deferred income annuities.
A deferred income annuity is a way of insuring against longevity. You make a payment, or series of payments, to an insurance company. Insurance companies are able to pool risk and use the market for pooling and protection in ways that you can’t on your own. This allows them to pay you an annual income, beginning at some future date, for the rest of your life. Surely stocks tend to yield a greater financial return, but with a deferred income annuity the value is in the guaranteed protection and the peace of mind. Deferred income annuities aren’t right for everyone. If you’re younger than 45, in below average health, most concerned about passing money onto your heirs, able to “self-insure” off the wealth of your investment income, or if you haven’t saved enough and need to keep the money you have in case of emergency then you’re probably not the best fit for a deferred income annuity. But otherwise, you’re looking like a great candidate.
Most of the country's retirement savings are held in banks, precious metals, real estate, stocks, and retirement accounts like IRAs and 401(k)s. However, a large percentage of these savings could be lost due to risks, fees, and taxes. Additionally, most consumers do not understand how these three factors—risks, fees, and taxes—affect their retirement accounts. Freedom Equity Group presents an alternative strategy that aims to protect retirement savings from these potential losses.
Ieul Presentation (September 2008) Seminar (Piggy Bank)David Brown
This document discusses strategies for retirement planning and saving for the future. It notes that Social Security alone will not provide enough income for a comfortable retirement. Indexed universal life insurance is presented as a way to save money that is protected from losses and can earn returns linked to market indexes. The document provides examples of how an indexed universal life policy could generate tax-free retirement income that lasts longer than other savings vehicles and also provides a death benefit. Retirement planning advice includes starting to save early, saving consistently, and using a mix of safe and higher-return investments.
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
The document discusses the business opportunity available through Synergy Financial Partners. It outlines three categories of people who may be interested in the opportunity - business owners, self-employed/dual career individuals, and clients. It then discusses SFP's mission to change how Americans plan for their financial future and their vision to build the best consumer financial education company. The rest of the document focuses on explaining the problems Americans face financially, how SFP's solutions address these problems, and the business opportunity available through SFP.
A Target Retirement Income Plan is a nonqualified, supplemental, after-tax executive retirement benefit program that changes the focus from return on investment to certainty of predictable income in retirement.
The document discusses the volatility of the stock market and challenges the notion that one should simply hold investments and wait for markets to recover from downturns. It notes that bear markets can last for years, leaving investments stagnant, and advises being flexible and making changes to one's portfolio as conditions change. The document also cautions against relying on averages, as planning withdrawals from investments based on assumed average returns does not account for the impact of losses on the portfolio in down years.
This document contains 9 lessons about investing and financial success. It discusses concepts like:
1) Compound interest is the most powerful force in building wealth over the long run.
2) Predicting short-term market movements is impossible, yet people continue trying. Investors should focus on long-term factors like earnings growth and dividends.
3) Doing nothing and avoiding unnecessary trading is often the best investment strategy. Reversion to the mean ensures outliers are temporary.
The document discusses challenges retirees face with managing their finances, including market volatility, longevity risks, healthcare costs, and inflation. It notes that average healthcare costs for a retiree are around $230,000 and that historically low-risk investments have not kept pace with inflation. The document advocates creating a customized portfolio that includes sources of steady income to outpace inflation and maintain one's standard of living in retirement. It also notes looming issues with Social Security and Medicare funding shortfalls that may require benefit adjustments.
This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.
The document discusses 4 future financial trends: 1) Home ownership will become more difficult as interest rates remain low, encouraging higher home prices. 2) Real incomes will continue declining due to globalization, automation, and inflation measurement issues. 3) There will be no secure careers as jobs are replaced by technology like AI. 4) Pension payouts will decline further as retirees withdraw funds while younger generations have to support them and put less into their own pensions. The document provides advice on financial planning to prepare for these trends, such as saving 10% of income each pay period and purchasing insurance to mitigate risks outside one's control.
Michael Schwartz outlines 11 common retirement planning mistakes and provides advice on how to avoid them. The key mistakes include failing to have a proper retirement plan, having improper asset allocation, failing to calculate taxes, and failing to plan for healthcare costs. Schwartz urges readers to evaluate whether they have planned for these issues and offers to discuss how to turn potential mistakes into future strengths. He provides more detail on the first two mistakes of failing to plan and having improper asset allocation, emphasizing the importance of developing a comprehensive retirement plan and properly diversifying investments across different asset classes.
The document summarizes 7 challenges facing Americans in retirement: 1) Americans are retiring earlier and living longer, 2) the decline of pensions means fewer retirees have guaranteed retirement income, and 3) Social Security faces a shortfall as fewer workers support more retirees. Healthcare costs are rising dramatically and threaten to consume retirees' savings. Inflation erodes purchasing power over time. Many investors underperform markets by frequently buying and selling at the wrong times. Overall, Americans are underprepared for the rising costs and longer lifespans of retirement.
Exploring Your Options For A Quality Retirement RedoneRobert Blackburn
The document discusses strategies for planning a successful retirement. It identifies four key factors that can erode retirement savings: debt, inflation, taxes, and health issues. It emphasizes taking control of retirement planning early on through contributing to pre-tax and after-tax retirement accounts, maintaining a diversified portfolio, and constantly monitoring progress to adjust plans as needed. Individuals are ultimately responsible for their own retirement security, not employers or the government. Planning over a long time horizon is essential to maximizing net spendable income during retirement.
This is a Sample of a Research Report valued at over $80,000 containing millions of dollars worth of research data that shows why approx 95% of retirement plans FAIL.
The full version is also available at no cost.
Anyone who wants to retire MUST see this valuable information.
You will learn how much is needed to retire, see historic investment returns, why most plans are losing 44% they don't know about, how inflation devastates most plans, where 90% of millionaires made their money and most importantly discover a safe and affordable alternative
Enjoy and more importantly plan wisely for your future!
How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
Discovering Delhi - India's Cultural Capital.pptxcosmo-soil
Delhi, the heartbeat of India, offers a rich blend of history, culture, and modernity. From iconic landmarks like the Red Fort to bustling commercial hubs and vibrant culinary scenes, Delhi's real estate landscape is dynamic and diverse. Discover the essence of India's capital, where tradition meets innovation.
South Dakota State University degree offer diploma Transcriptynfqplhm
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In World Expo 2010 Shanghai – the most visited Expo in the World History
https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Explore the world of investments with an in-depth comparison of the stock market and real estate. Understand their fundamentals, risks, returns, and diversification strategies to make informed financial decisions that align with your goals.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
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7. 5 Reasons You Shouldn‟t
Contribute to a 401(k)
March 16, 2011
1) If there is no employer match.
2) High Fees.
3) Higher Tax Rate (at withdrawal) in Qualified Plan.
4) Larger Tax Bill at Withdrawal (larger balance).
5) (Likely) Future Tax Rate Increases.
9. “Why It‟s Time to Retire the 401(k)”
“The ugly truth is that the
401(k) is a lousy idea,
a rotten repository for
our retirement reserves …”
10. “…The biggest factor in whether the 401(k) works as designed has
to do with when you retire. If the market rises that year, you're fine.
If you retired last year, you're toast.
11. “…The biggest factor in whether the 401(k) works as designed has
to do with when you retire. If the market rises that year, you're fine.
If you retired last year, you're toast. And the chances of your
becoming a victim of this huge flaw in the 401(k) plan are pretty high.
12. “…The biggest factor in whether the 401(k) works as designed has
to do with when you retire. If the market rises that year, you're fine.
If you retired last year, you're toast. And the chances of your
becoming a victim of this huge flaw in the 401(k) plan are pretty high.
The market fell in four of the nine years since the beginning of the
decade. That means anyone retiring this decade had a nearly 50%
chance of leaving work in a down market.
13. “…The biggest factor in whether the 401(k) works as designed has
to do with when you retire. If the market rises that year, you're fine.
If you retired last year, you're toast. And the chances of your
becoming a victim of this huge flaw in the 401(k) plan are pretty high.
The market fell in four of the nine years since the beginning of the
decade. That means anyone retiring this decade had a nearly 50%
chance of leaving work in a down market. In fact, your chances of
retiring into a down market are even greater than that: forced
retirements spike in recessions just as the stock market is tanking.”
14. “Guaranteed accounts don't have to be run by the
government. The ERISA Industry Committee that
represents the nation's largest employers, has proposed
a system that would allow individuals the ability to buy
a guaranteed retirement account on their own. Some
government regulation would be needed, but it would be a
„Private Plan‟ .”
15. “But the policy would be portable. Contribute for 30 years
and you would be guaranteed income in retirement, no
matter how many employers you worked for.
16. “But the policy would be portable. Contribute for 30 years
and you would be guaranteed income in retirement, no
matter how many employers you worked for.
Combine your retirement-insurance check with the
money you get from Social Security, which can equal as
much as 50% of final pay, and presto: you have something
approaching retirement security.”
17. “But the policy would be portable. Contribute for 30 years
and you would be guaranteed income in retirement, no
matter how many employers you worked for.
Combine your retirement-insurance check with the
money you get from Social Security, which can equal as
much as 50% of final pay, and presto: you have something
approaching retirement security.”
We need a NEW, Safer way to save for retirement because …
18. * 52% of workers (not including home
equity) have savings less than $25,000.
19. * 52% of workers (not including home
equity) have savings less than $25,000.
* 75% have savings less than $10,000.
20. * 52% of workers (not including home
equity) have savings less than $25,000.
* 75% have savings less than $10,000.
* 36% of those over 55 have saved
less than …
$10,000!
21.
22. Most Americans will be too poor to retire at 65!
Nov. 1, 2009 / Center for Retirement Research at Boston College
51% are at high risk of falling short of
having enough money in retirement.
23. Most Americans will be too poor to retire at 65!
Nov. 1, 2009 / Center for Retirement Research at Boston College
51% are at high risk of falling short of
having enough money in retirement.
“The disappearance of pension plans, as well as troubles with the Social
Security system, place younger Americans at a higher risk of being unable
to hold on to their standards of living during retirement. The cradle-to-the-
grave relationship with the employer is severed…
24. Most Americans will be too poor to retire at 65!
Nov. 1, 2009 / Center for Retirement Research at Boston College
51% are at high risk of falling short of
having enough money in retirement.
“The disappearance of pension plans, as well as troubles with the Social
Security system, place younger Americans at a higher risk of being unable
to hold on to their standards of living during retirement. The cradle-to-the-
grave relationship with the employer is severed…
Younger people have to be responsible for their own retirement.”
25. Most Americans will be too poor to retire at 65!
Nov. 1, 2009 / Center for Retirement Research at Boston College
51% are at high risk of falling short of
having enough money in retirement.
“The disappearance of pension plans, as well as troubles with the Social
Security system, place younger Americans at a higher risk of being unable
to hold on to their standards of living during retirement. The cradle-to-the-
grave relationship with the employer is severed…
Younger people have to be responsible for their own retirement.”
“Retiring won‟t become impossible, but it will require some thoughtful
planning. Many workers will need to save and invest more, reduce
debt and work longer to maintain their standard of living in retirement.”
30. Bear Market Losses
November 29, 1968 to May 26, 1970 - 36.06%
January 11,1973 to October 3, 1974 - 48.20%
November 28, 1980 to August 12, 1982 - 27.11%
August 25, 1987 to December 4, 1987 - 33.54%
March 27, 2000 to July 18, 2002 - 42.29%
October 9, 2007 to March 9, 2009 - 56.77%
31. Bear Market Losses
November 29, 1968 to May 26, 1970 - 36.06%
January 11,1973 to October 3, 1974 - 48.20%
November 28, 1980 to August 12, 1982 - 27.11%
August 25, 1987 to December 4, 1987 - 33.54%
March 27, 2000 to July 18, 2002 - 42.29%
October 9, 2007 to March 9, 2009 - 56.77%
The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!
32. Bear Market Losses
November 29, 1968 to May 26, 1970 - 36.06%
January 11,1973 to October 3, 1974 - 48.20%
November 28, 1980 to August 12, 1982 - 27.11%
August 25, 1987 to December 4, 1987 - 33.54%
March 27, 2000 to July 18, 2002 - 42.29%
October 9, 2007 to March 9, 2009 - 56.77%
The Market (since 1946) has an average loss of -33.21% EVERY 6 YEARS!
It Takes 22.5 months for the Index to Return to Prior High Value.
33. Is this Anxiety Roller Coaster how you
want to live 20 - 30 years of Retirement?
34. Wall Street Always Wins!
Even when you lose Wall Street always
wins with fees you ALWAYS pay –
when the market goes up –
AND when it goes down!
36. Morningstar
Management Fee [8-17-09]: Average domestic fee is 1.39%.
International is 1.56%.
Transaction Fee [6-19-09]: This annual fee is 1.64%.
For Small Cap Fund it’s 2.80%.
37. Morningstar
Management Fee [8-17-09]: Average domestic fee is 1.39%.
International is 1.56%.
Transaction Fee [6-19-09]: This annual fee is 1.64%.
For Small Cap Fund it’s 2.80%.
“Vastly more important than expense ratios and no one‟s talking about it.”
These are in ADDITION to Fund fees. You don’t control a fund’s transaction
costs. That’s determined in part by how often the fund manager trades the
securities in the fund’s portfolio, and how costly those trades are.
38. Morningstar
Management Fee [8-17-09]: Average domestic fee is 1.39%.
International is 1.56%.
Transaction Fee [6-19-09]: This annual fee is 1.64%.
For Small Cap Fund it’s 2.80%.
“Vastly more important than expense ratios and no one‟s talking about it.”
These are in ADDITION to Fund fees. You don’t control a fund’s transaction
costs. That’s determined in part by how often the fund manager trades the
securities in the fund’s portfolio, and how costly those trades are.
The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
39. Morningstar
Management Fee [8-17-09]: Average domestic fee is 1.39%.
International is 1.56%.
Transaction Fee [6-19-09]: This annual fee is 1.64%.
For Small Cap Fund it’s 2.80%.
“Vastly more important than expense ratios and no one‟s talking about it.”
These are in ADDITION to Fund fees. You don’t control a fund’s transaction
costs. That’s determined in part by how often the fund manager trades the
securities in the fund’s portfolio, and how costly those trades are.
The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
Investment News
ERISA Costs [10-15-09]:
“It's fair to say that in many cases the total ERISA
(401k) drag is close to about 1% of plan assets.”
40. Morningstar
Management Fee [8-17-09]: Average domestic fee is 1.39%.
International is 1.56%.
Transaction Fee [6-19-09]: This annual fee is 1.64%.
For Small Cap Fund it’s 2.80%.
“Vastly more important than expense ratios and no one‟s talking about it.”
These are in ADDITION to Fund fees. You don’t control a fund’s transaction
costs. That’s determined in part by how often the fund manager trades the
securities in the fund’s portfolio, and how costly those trades are.
The Minimum Average TOTAL Actual Annual Fund Fees = 3.03%!
Investment News
ERISA Costs [10-15-09]:
“It's fair to say that in many cases the total ERISA
(401k) drag is close to about 1% of plan assets.”
Summary: Many plans are in the range of 4% to 5% in TOTAL
yearly costs – the worst plans charge even more. After all the fees …
42. Putnam Investments
President and Chief Executive Officer Robert L. Reynolds
calls for a “ New Generation” of Workplace Savings Plans
with Lower Volatility and Lifetime Income Solutions
October 1, 2009
“After Market Meltdown, Better Plan Design
Needed to Secure Reliable Lifetime Income”
“Index funds and other passive investments that track benchmarks
are guaranteed to lose value when the markets they track
sink.
43. Putnam Investments
President and Chief Executive Officer Robert L. Reynolds
calls for a “ New Generation” of Workplace Savings Plans
with Lower Volatility and Lifetime Income Solutions
October 1, 2009
“After Market Meltdown, Better Plan Design
Needed to Secure Reliable Lifetime Income”
“Index funds and other passive investments that track benchmarks
are guaranteed to lose value when the markets they track
sink. People in or near retirement are not well served by too-great a
concentration of passive (index) investments, thinking they are a
protection against a downturn …”
44. “(Retirement) plans should be made much
more resistant to market downturns …
The next challenge in workplace savings
plans will be to offer guidelines, even
guardrails, to ensure that worker‟s savings
are Protected as they reach retirement age.”
46. THE WALL STREET JOURNAL
October 15, 2009
The Lost Decade of Stock Investing
“Advisers sold us a bill of goods
about the lasting value
of real estate and stocks.”
47. THE WALL STREET JOURNAL
October 15, 2009
The Lost Decade of Stock Investing
“Advisers sold us a bill of goods
about the lasting value
of real estate and stocks.”
“If you invested $100 in the S&P 500 at the end of the last decade,
you're happy with Dow 10,000 but still hoping for a
34.5% rally before year end -- just to break even.
48. THE WALL STREET JOURNAL
October 15, 2009
The Lost Decade of Stock Investing
“Advisers sold us a bill of goods
about the lasting value
of real estate and stocks.”
“If you invested $100 in the S&P 500 at the end of the last decade,
you're happy with Dow 10,000 but still hoping for a
34.5% rally before year end -- just to break even.
You'll need a staggering 72% rally when adjusting for inflation.”
49.
50. “Quantitative Analysis of Investor Behavior”
March 9, 2009
DALBAR Study Reveals Carnage for
Equity, Bond and Asset Allocation Shareholders
The reality is that investors are not rational, and make
buy and sell decisions at the worst possible moments.
51. “Quantitative Analysis of Investor Behavior”
March 9, 2009
DALBAR Study Reveals Carnage for
Equity, Bond and Asset Allocation Shareholders
The reality is that investors are not rational, and make
buy and sell decisions at the worst possible moments.
For the 20 years ended December 31, 2008, equity
and asset allocation fund investors had average
annual returns of 1.87% and 1.67%, respectively.
52. “Quantitative Analysis of Investor Behavior”
March 9, 2009
DALBAR Study Reveals Carnage for
Equity, Bond and Asset Allocation Shareholders
The reality is that investors are not rational, and make
buy and sell decisions at the worst possible moments.
For the 20 years ended December 31, 2008, equity
and asset allocation fund investors had average
annual returns of 1.87% and 1.67%, respectively.
The inflation rate averaged 2.89% over that same time period.
54. What About the Future?
Market Watch – Wall Street Journal / 12-7-10
„10 reasons to shun stocks till banks crash‟
“Do not buy stocks. Not for retirement.
Not in the coming decade. Don‟t. Huge risks.”
“Wall Street is a loser. Stocks are Wall Street’s
ultimate sucker bet. And it’ll sucker you again.
You’ll lose, worse than in the last decade. Wake
up before Wall Street banks trigger the next
meltdown, igniting mass bankruptcy.”
55. What About the Future?
Market Watch – Wall Street Journal / 12-7-10
“Adjusted for inflation, Wall Street has
lost 20% of your money in the past decade.
Wall Street‟s a loser. And, worse, Wall
Street will do it again by 2020.”
56. What About the Future?
Market Watch – Wall Street Journal / 12-7-10
“Adjusted for inflation, Wall Street has
lost 20% of your money in the past decade.
Wall Street‟s a loser. And, worse, Wall
Street will do it again by 2020.”
“That‟s right: It will lose another
20% of your retirement money.”
57. With Retirement Savings,
It‟s a Sprint to the Finish
21 January 2011
“What would you do if your financial
planner prescribed the following advice?
„Save and invest diligently for 30 years,
then cross your fingers and pray your
investments will double over the last
decade before you retire‟.”
58. With Retirement Savings,
It‟s a Sprint to the Finish
21 January 2011
“What would you do if your financial
planner prescribed the following advice?
„Save and invest diligently for 30 years,
then cross your fingers and pray your
investments will double over the last
decade before you retire‟.”
“You might as well go to Las Vegas.”
59. With Retirement Savings,
It‟s a Sprint to the Finish
21 January 2011
“The problem is that even if you do everything
right and save at a respectable rate, you‟re still
relying on the market to push you to the finish
line in the last decade before retirement. Why?
60. With Retirement Savings,
It‟s a Sprint to the Finish
21 January 2011
“The problem is that even if you do everything
right and save at a respectable rate, you‟re still
relying on the market to push you to the finish
line in the last decade before retirement. Why?
Reaching your goal is highly dependent on the
power of compounding.”
61. With Retirement Savings,
It‟s a Sprint to the Finish
21 January 2011
“But if you‟re dealt a bad set of returns during
an extended period of time just before you retire
or shortly thereafter, your plan could be thrown
wildly off track. Many baby boomers know the
feeling all too well, given the stock market‟s
weak showing during the last decade.”
62. 21 January 2011
“The homestretch before retirement is
often the most anxiety-inducing because
workers have neither the time nor the
financial capacity to recover before they
begin taking withdrawals.”
“When the bad returns come in the
final 10 years, no reasonable amount
of savings will make up the shortfall.”
63. LOST DECADE
The Stock Market Roller Coaster of 2000 – 2009
left these years known as the “Lost Decade”.
.
After average costs $1 after 10 years
was worth 55 cents!
64. LOST DECADE
The Stock Market Roller Coaster of 2000 – 2009
left these years known as the “Lost Decade”.
.
After average costs $1 after 10 years
was worth 55 cents!
.
The ROI was – 44.96%!
70. August 19,2009
Don't put any more money in your
tax-deferred retirement savings
“This is heresy in a world where people hate taxes … (but) things
have changed in the past year … The old thinking was that you
should defer tax bills until „you are in a lower bracket at retirement‟.
71. August 19,2009
Don't put any more money in your
tax-deferred retirement savings
“This is heresy in a world where people hate taxes … (but) things
have changed in the past year … The old thinking was that you
should defer tax bills until „you are in a lower bracket at retirement‟.
Higher bracket is more like it.
72. August 19,2009
Don't put any more money in your
tax-deferred retirement savings
“This is heresy in a world where people hate taxes … (but) things
have changed in the past year … The old thinking was that you
should defer tax bills until „you are in a lower bracket at retirement‟.
Higher bracket is more like it.
If you are 45 and prosperous, plan on big federal deficits
and higher income taxes when you retire in 2031.
73. August 19,2009
Don't put any more money in your
tax-deferred retirement savings
“This is heresy in a world where people hate taxes … (but) things
have changed in the past year … The old thinking was that you
should defer tax bills until „you are in a lower bracket at retirement‟.
Higher bracket is more like it.
If you are 45 and prosperous, plan on big federal deficits
and higher income taxes when you retire in 2031.
You might be better off skipping the 401(k).
74. August 19,2009
Don't put any more money in your
tax-deferred retirement savings
“This is heresy in a world where people hate taxes … (but) things
have changed in the past year … The old thinking was that you
should defer tax bills until „you are in a lower bracket at retirement‟.
Higher bracket is more like it.
If you are 45 and prosperous, plan on big federal deficits
and higher income taxes when you retire in 2031.
You might be better off skipping the 401(k).
Maybe you should pay tax on your salary now!”
76. 2011 Deficit $1.5 Trillion
That's 10% GDP / largest since WWII
Total National Debt = $14 Trillion
77. 2011 Deficit $1.5 Trillion
That's 10% GDP / largest since WWII
Total National Debt = $14 Trillion
Total with SS & Medicare = 70% GDP
78. 2011 Deficit $1.5 Trillion
That's 10% GDP / largest since WWII
Total National Debt = $14 Trillion
Total with SS & Medicare = 70% GDP
With SS, Prescription and Medicare
= $60 Trillion+ (to 2084)
79. 2011 Deficit $1.5 Trillion
That's 10% GDP / largest since WWII
Total National Debt = $14 Trillion
Total with SS & Medicare = 70% GDP
With SS, Prescription and Medicare
= $60 Trillion+ (to 2084)
That = $500,000 Each!
82. RECENT High TAX RATES
1944-45 94%
1958-64 91%
1965-81 70%
1982-86 50%
Current 35%
83. RECENT High TAX RATES
1944-45 94%
1958-64 91%
1965-81 70%
1982-86 50%
Current 35%
The last time taxes were this low was 1931!
(pre Increasing National Debt Era since 1980)
84. RECENT High TAX RATES
1944-45 94%
1958-64 91%
1965-81 70%
1982-86 50%
Current 35%
The last time taxes were this low was 1931!
(pre Increasing National Debt Era since 1980)
The last time the “low” rate was today's
10% was 1941 – 70 years ago!
85. Future Taxes Make 401(k) Less Advantageous
November 6, 2009
Since 401(k)s were created in the early 1980s, the general assumption was
that a saver would pay lower taxes in retirement, when their income was
certain to be lower. So saving pretax dollars and delaying taxes made sense.
86. Future Taxes Make 401(k) Less Advantageous
November 6, 2009
Since 401(k)s were created in the early 1980s, the general assumption was
that a saver would pay lower taxes in retirement, when their income was
certain to be lower. So saving pretax dollars and delaying taxes made sense.
Now, particularly for higher earners with the largest 401(k) balances,
that assumption is fading as hikes in tax rates seem likely.
87. Future Taxes Make 401(k) Less Advantageous
November 6, 2009
Since 401(k)s were created in the early 1980s, the general assumption was
that a saver would pay lower taxes in retirement, when their income was
certain to be lower. So saving pretax dollars and delaying taxes made sense.
Now, particularly for higher earners with the largest 401(k) balances,
that assumption is fading as hikes in tax rates seem likely.
(Another) problem high earners may face by saving only in a pretax 401(k)
is that, years later, large withdrawals could trigger the tax on Social Security.
88. Future Taxes Make 401(k) Less Advantageous
November 6, 2009
Since 401(k)s were created in the early 1980s, the general assumption was
that a saver would pay lower taxes in retirement, when their income was
certain to be lower. So saving pretax dollars and delaying taxes made sense.
Now, particularly for higher earners with the largest 401(k) balances,
that assumption is fading as hikes in tax rates seem likely.
(Another) problem high earners may face by saving only in a pretax 401(k)
is that, years later, large withdrawals could trigger the tax on Social Security.
(Not deferring taxes) is a good choice for higher earners whose income
isn't likely to fall in retirement and for young investors, who will likely see
their salaries and taxes increase.
89. / 22 October 2008
"It's Time for Young Voters to Get Mad!"
To Voters under 35:
"You have a heavily mortgaged future.
You'll pay for Social Security and
Medicare for aging baby boomers ...
90. / 22 October 2008
"It's Time for Young Voters to Get Mad!"
To Voters under 35:
"You have a heavily mortgaged future.
You'll pay for Social Security and
Medicare for aging baby boomers ...
the needed federal tax increase might
total 50% over the next 25 years."
93. Social Security is going BROKE!
2008
- 65% Rely on SS for 50%
of their income!
94. Social Security is going BROKE!
2008
- 65% Rely on SS for 50%
of their income!
- 33% Rely on SS for 90% of their income!
95. Social Security is going BROKE!
2008
- 65% Rely on SS for 50%
of their income!
- 33% Rely on SS for 90% of their income!
- Accounts for 1/3 of discretionary income
for couples earning over $500,000 year!
96. Social Security is going BROKE!
2008
- 65% Rely on SS for 50%
of their income!
- 33% Rely on SS for 90% of their income!
- Accounts for 1/3 of discretionary income
for couples earning over $500,000 year!
- 1 in 7 Americans receive a check from SS!
97. Social Security is going BROKE!
2008
- 65% Rely on SS for 50%
of their income!
- 33% Rely on SS for 90% of their income!
- Accounts for 1/3 of discretionary income
for couples earning over $500,000 year!
- 1 in 7 Americans receive a check from SS!
- # Workers per Retiree:
1960 = 5 2009 = 3.3 2020 = 2!
98. 2010: SS Outlays exceed
Revenues!
The likely solution
say most experts
is MORE Taxes!
99. 2010: SS Outlays exceed
Revenues!
2012: - SS Benefit check:
- $1,229 mo. Average
The likely solution
say most experts
is MORE Taxes!
100. 2010: SS Outlays exceed
Revenues!
2012: - SS Benefit check:
- $1,229 mo. Average
- $1,994 (Couple)
The likely solution
say most experts
is MORE Taxes!
101. 2010: SS Outlays exceed
Revenues!
2012: - SS Benefit check:
- $1,229 mo. Average
- $1,994 (Couple)
- Up to 85% of Benefits
are Taxed!
The likely solution
say most experts
is MORE Taxes!
102. 2010: SS Outlays exceed
Revenues!
2012: - SS Benefit check:
- $1,229 mo. Average
- $1,994 (Couple)
- Up to 85% of Benefits
are Taxed!
2030: Medicare Trust Fund
is Broke!
The likely solution
say most experts
is MORE Taxes!
103. 2010: SS Outlays exceed
Revenues!
2012: - SS Benefit check:
- $1,229 mo. Average
- $1,994 (Couple)
- Up to 85% of Benefits
are Taxed!
2030: Medicare Trust Fund
is Broke!
2037: Social Security Trust
Fund is Broke! The likely solution
say most experts
is MORE Taxes!
108. "The Difficulty lies
not in the new ideas,
but in escaping
from the old ones."
John Maynard Keynes
20th Century Economist
"The General Theory of Employment, Interest and Money"
110. “The solution: a new type of „insurance‟.
Retirement savings, it turns out, are exactly
the type of asset we need insurance for.
111. “The solution: a new type of „insurance‟.
Retirement savings, it turns out, are exactly
the type of asset we need insurance for.
We need insurance to protect against risks we
can't predict (when the market collapses)
and can't afford to recover from on our own.”
113. With all these benefits, today it is called …
"The 'NEW' Asset Class Investment"
March 26, 2008
"This is a safe bet, long term
investment with high interest,
almost no volatility and liquid.
114. With all these benefits, today it is called …
"The 'NEW' Asset Class Investment"
March 26, 2008
"This is a safe bet, long term
investment with high interest,
almost no volatility and liquid.
You do not have to die to enjoy
these returns (and) it can
work like a Roth ...
115. “It‟s dramatic advantage is that
you pay no tax on the gains
ever, and you can spend them
while you are alive tax free.”
123. April 2009
Myth. Life Insurance is not a good investment.
“This canard spread as 401(k)s and IRA's supplanted
Life Insurance as Americans' most popular ways to build
Savings while deferring taxes. But two factors point to
a revival of Life insurance as an investment:
124. April 2009
Myth. Life Insurance is not a good investment.
“This canard spread as 401(k)s and IRA's supplanted
Life Insurance as Americans' most popular ways to build
Savings while deferring taxes. But two factors point to
a revival of Life insurance as an investment:
One is guaranteed credits on cash values,
which means if you pay the premiums, you
cannot lose money unless the company fails.
(The other is if you are over 65, you can
often sell it for several times its cash value)!”
125. April 2009
Myth. Life Insurance is not a good investment.
“This canard spread as 401(k)s and IRA's supplanted
Life Insurance as Americans' most popular ways to build
Savings while deferring taxes. But two factors point to
a revival of Life insurance as an investment:
One is guaranteed credits on cash values,
which means if you pay the premiums, you
cannot lose money unless the company fails.
(The other is if you are over 65, you can
often sell it for several times its cash value)!”
TRUTH: “A good investment is one in which you put money
away now and have more later. Checked your 401(k) lately?”
126. BUT this is NOT your
Grandparents Life Insurance!
131. Juicing Your Life Insurance
5 June 2010
This year's hottest life-insurance product
is well-suited to an era of sudden "flash
crashes" and overall uncertainty: It appeals
to people eager to capture stock-market
gains while avoiding undue risk. The
product (is) "indexed universal life”.
132. Juicing Your Life Insurance
5 June 2010
The twist in these new policies is the use of a
stock-market index to help determine the interest
rate for the cash-value account. In many versions,
insurers link to the Standard & Poor's 500-stock
index, but cap the annual interest rate …
133. Juicing Your Life Insurance
5 June 2010
The twist in these new policies is the use of a
stock-market index to help determine the interest
rate for the cash-value account. In many versions,
insurers link to the Standard & Poor's 500-stock
index, but cap the annual interest rate … For
downside protection, some policies promise a
minimum interest rate of as much as 2%, even in
losing years for stocks, while others simply
protect against losses.
134. Juicing Your Life Insurance
5 June 2010
The product "resonates with people"
says the chief actuary (for one co.).
“It has a guarantee so
people can sleep at night,
and it has upside potential”.
136. How well can this 'solution' work?
Hypothetical Past 20 years to 12/31/10
(Age 40 to 59)
Based on ACTUAL S&P 500 Index gains
using
Current Crediting Formula & Expenses
(including zero gain years)
7 – 8% NET per year!
138. Thanks to IRS IRC: 7702(a)
Indexed Universal Life (IUL)
is the ONLY Investment
approved by Congress
and the IRS to provide
you ALL of these
Benefits and Features ...
141. Putnam Investment Retirement Survey 2005
“A majority of retirees said their
BIGGEST MISTAKE
in planning for Retirement
was failing to invest in
TAX FREE Accounts.”
142. Putnam Investment Retirement Survey 2005
“A majority of retirees said their
BIGGEST MISTAKE
in planning for Retirement
was failing to invest in
TAX FREE Accounts.”
With Indexed Life …
143. ... it's OTHER dramatic
advantage is that you pay
NO tax on the gains ever –
Your Retirement Income
is Tax Free!
144. 7 - 8% IUL NET 1991-2010
vs.
DALBAR Report 20 Year Investor Behavior to 2010
4-1-11
145. 7 - 8% IUL NET 1991-2010
vs.
DALBAR Report 20 Year Investor Behavior to 2010
4-1-11
"Market" S&P 500 = 9.14% gross
146. 7 - 8% IUL NET 1991-2010
vs.
DALBAR Report 20 Year Investor Behavior to 2010
4-1-11
"Market" S&P 500 = 9.14% gross
NET Investor ROI = 3.83% ACTUAL!
147. 7 - 8% IUL NET 1991-2010
vs.
DALBAR Report 20 Year Investor Behavior to 2010
4-1-11
"Market" S&P 500 = 9.14% gross
NET Investor ROI = 3.83% ACTUAL!
RESULT: 20 Year IUL Net > Market!
148. Indexed Life also does NOT have the Restrictive
Qualified Plan Contribution, Access and Loan Rules!
151. 2012 403b/457/401k IUL
Contribution Limit $17,000 NONE
Pre 59.5 Penalty 10% Federal NONE
Plus State
Mandatory Distribution 70.5 NONE
Accelerated Terminal no to $1 million
Illness Advance
154. Plan LOAN 403b/457/401k IUL
Amount 50% to $50k NO Limit
Loan Repayment mandatory Optional
Quit/Fired/Co. 'broke' 90 days N/A
repay in full
155. Plan LOAN 403b/457/401k IUL
Amount 50% to $50k NO Limit
Loan Repayment mandatory Optional
Quit/Fired/Co. 'broke' 90 days N/A
repay in full
Late with payment 30 day grace N/A
or ALL Taxable
156. Indexed Life also includes:
Lifetime Life Insurance
(may guarantee Retirement Plan
completion for Survivor Spouse)
157. The Life Insurance can also be used for
PENSION MAX
to Increase Your Pension Income
$hundreds or $thousands per month!
Popular for Teacher & Government Pension Plans:
STRS [State Teachers Retirement System]
PERS [Public Employees Retirement System]
159. Accelerated “Living” Benefit
With 1 or 2 year terminal diagnosis
up to $1 million Advance Benefit!
Money can be used for ANY purpose -
including treatment that could
SAVE YOUR LIFE!
160. With Indexed Life
You can also …
Be Your
OWN
Banker!
(Great Financial
Strategy for those in
their 20's & 30's!)
You can use your savings to
finance your life while on
your journey to retirement!
163. AND Finance Your
Retirement TOO
While You D0!
Age 65 Cash Value
= $857,000
Tax Free Retirement
Income = $50,000 Yr!
164. AND Finance Your
Retirement TOO
While You D0!
Age 65 Cash Value
= $857,000
Tax Free Retirement
Income = $50,000 Yr!
Age 85 Cash Value
= $2,229,000!
165. AND Finance Your
Retirement TOO
While You D0!
Age 65 Cash Value
= $857,000
Tax Free Retirement
Income = $50,000 Yr!
Age 85 Cash Value
= $2,229,000!
(Or give
Yourself
a Raise!)
166. The BEST COLLEGE SAVINGS Plan!
* Can take out “Tuition” Tax/Penalty Free!
167. The BEST COLLEGE SAVINGS Plan!
* Can take out “Tuition” Tax/Penalty Free!
* NOT included in college aid formulas!
168. The BEST COLLEGE SAVINGS Plan!
* Can take out “Tuition” Tax/Penalty Free!
* NOT included in college aid formulas!
* CV Remains the Parents Savings!
169. The BEST COLLEGE SAVINGS Plan!
* Can take out “Tuition” Tax/Penalty Free!
* NOT included in college aid formulas!
* CV Remains the Parents Savings!
* Balance can continue to grow to provide
Tax FREE Retirement Income!
170. The BEST COLLEGE SAVINGS Plan!
* Can take out “Tuition” Tax/Penalty Free!
* NOT included in college aid formulas!
* CV Remains the Parents Savings!
* Balance can continue to grow to provide
Tax FREE Retirement Income!
* Life Insurance on Parent to guarantee
College paid for if premature death.
172. BONUS!
The Tax Free Income
from Indexed Life
(unlike Municipal Bonds
and Qualified Savings
withdrawals)
173. BONUS!
The Tax Free Income
from Indexed Life
(unlike Municipal Bonds
and Qualified Savings
withdrawals)
is NOT included in
the formula to tax
up to 85% of your
Social Security!
174. BONUS!
The Tax Free Income
from Indexed Life
(unlike Municipal Bonds
and Qualified Savings
withdrawals)
is NOT included in
the formula to tax
up to 85% of your
Social Security!
An IUL plan
may be the
easiest,
'cheapest' and
BEST way to
Save for
Retirement
AND Avoid
this Tax!
175. November 2007
BEST ALL-AROUND
RETIREMENT ACCOUNT
is the Roth IRA:
“There's no up-front tax break [IUL],
but decades of tax-free growth [IUL],
plus tax-free income in retirement [IUL].”
176. November 2007
BEST ALL-AROUND
RETIREMENT ACCOUNT
is the Roth IRA:
“There's no up-front tax break [IUL],
but decades of tax-free growth [IUL],
plus tax-free income in retirement [IUL].”
Why Stop There?! Even BETTER is ...
177. An IUL "SUPER ROTH"!
Unlike a Roth ...
* NO Contribution Limits.
178. An IUL "SUPER ROTH"!
Unlike a Roth ...
* NO Contribution Limits.
* NO Income Restrictions.
179. An IUL "SUPER ROTH"!
Unlike a Roth ...
* NO Contribution Limits.
* NO Income Restrictions.
* Includes Hundreds of Thousands $'s
(or more) in Life Insurance from Day 1
[NOT Allowed in Roth! Use it to Pension Max!]
180. An IUL "SUPER ROTH"!
Unlike a Roth ...
* NO Contribution Limits.
* NO Income Restrictions.
* Includes Hundreds of Thousands $'s
(or more) in Life Insurance from Day 1
[NOT Allowed in Roth! Use it to Pension Max!]
* NO IRS or State Penalties
for pre 59.5 access to gains.
182. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
183. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
* Be Your "Own Banker"!
184. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
* Be Your "Own Banker"!
* Children (or Grandchildren's) College Fund!
185. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
* Be Your "Own Banker"!
* Children (or Grandchildren's) College Fund!
* Tax Benefits Grandfathered ...
so NO Tax Change Risk!
186. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
* Be Your "Own Banker"!
* Children (or Grandchildren's) College Fund!
* Tax Benefits Grandfathered ...
so NO Tax Change Risk!
* NO MARKET RISK – You KEEP the Gains!
187. * NO 5 Year wait for Tax Free Access!
* Loans Allowed (payments not required!)
Can USE the savings to ...
* Be Your "Own Banker"!
* Children (or Grandchildren's) College Fund!
* Tax Benefits Grandfathered ...
so NO Tax Change Risk!
* NO MARKET RISK – You KEEP the Gains!
Roth OR IUL "Super Roth"? IUL!
188. In case you were wondering,
many of the companies who
offer IUL are among the oldest
(over 100 to 150 years old),
most stable, best rated,
AND
largest financial services
companies in the world!
189. In case you were wondering,
many of the companies who
offer IUL are among the oldest
(over 100 to 150 years old),
most stable, best rated,
AND
largest financial services
companies in the world!
[Checks from Ins. Co.’s are a major reason
why many survived the Great Depression!]
192. NET CASH VALUE – Saving Stage
[NET Fees, Pre 59.5 Penalties and Taxes]
Age 45 PNT / Save $1,000 mo. for 20 years
[Average Past 25, Thirty Year Periods (since 1953)]
Year Qualified IUL
5 60,918 57,747
6 74,989 74,913
10 138,667 164,919
15 271,882 324,799
20 416,619 569,405
193. NET Retirement - Income Stage
Starting Age 66 / 35% MTR (pre/post retirement)
Year Qualified IUL
(66) 21 54,000 54,000 NET
25 54,000 54,000
194. NET Retirement - Income Stage
Starting Age 66 / 35% MTR (pre/post retirement)
Year Qualified IUL
(66) 21 54,000 54,000 NET
25 54,000 54,000
30 BROKE! 54,000
40 0 54,000
45 0 54,000
50 0 54,000
(100) 55 0 54,000
196. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
197. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
The average 10 year gain of the S&P
in an IUL the past 65 years is 9.05%.
[18% historical average cap]
198. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
The average 10 year gain of the S&P
in an IUL the past 65 years is 9.05%.
[18% historical average cap]
The worst stretch during that time
was 1974 to 1983 when the S&P
10 year gains averaged 1.86% per yr.
199. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
The average 10 year gain of the S&P
in an IUL the past 65 years is 9.05%.
[18% historical average cap]
The worst stretch during that time
was 1974 to 1983 when the S&P
10 year gains averaged 1.86% per yr.
But at an average (low) cap of 16%
IUL would of averaged 6.20% per year
– a gain that is 233% MORE!
200. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
The average 10 year gain of the S&P
in an IUL the past 65 years is 9.05%.
[18% historical average cap]
The worst stretch during that time
was 1974 to 1983 when the S&P
10 year gains averaged 1.86% per yr.
But at an average (low) cap of 16%
IUL would of averaged 6.20% per year
– a gain that is 233% MORE!
This is because IUL KEEPS
its prior annual gains so when
the market goes up again it
BUILDS on those gains
instead of having to recover 1st!
201. 10 Year S&P 500 IUL
Gains NO Cap 16% Cap
(per year) Actual 100% PR*
1983 5.06% 7.45%
1982 1.40% 5.97%
1981 2.86% 6.59%
1980 3.87% 7.17%
1979 1.34% 6.10%
Past 5 Yrs 2.91% 6.65%
1978 0.11% 5.40%
1977 0.87% 5.82%
1976 2.90% 6.84%
1975 0.48% 5.52%
1974 - 0.31% 5.17%
Past 10 Yrs 1.86% 6.20%
* Participation Rate
What IF the Stock Market / S&P
“Tanks” for Years in a Row?
The average 10 year gain of the S&P
in an IUL the past 65 years is 9.05%.
[18% historical average cap]
The worst stretch during that time
was 1974 to 1983 when the S&P
10 year gains averaged 1.86% per yr.
But at an average (low) cap of 16%
IUL would of averaged 6.20% per year
– a gain that is 233% MORE!
This is because IUL KEEPS
its prior annual gains so when
the market goes up again it
BUILDS on those gains
instead of having to recover 1st!
Indexed Life =
Retirement Security!
203. Retirement: Secure Pension = Better Sleep
November 2, 2009
Study of 14,714 participants over 16
years found a sharp decrease in sleep
disturbances in financially secure retirees.
“Where there is no proper pension level to guarantee
financial security beyond working age, retirement may
be followed by severe stress disturbing sleep even
more than before retirement.”
216. Indexed Life Private Plan
Is it Right for You?
If you are saving in a 401k, 403b, 457,
SEP, Roth or IRA the answer is likely
YES!
217. Indexed Life Private Plan
Is it Right for You?
If you are saving in a 401k, 403b, 457,
SEP, Roth or IRA the answer is likely
YES!
Let us help you answer that question and
show you the difference in Pre Retirement
and Retirement Benefits and Income!
218. Many Retirees Cannot Meet Basic Needs!
Brandeis University Study / February 2009
"78% of retiring Americans may not
be able to meet basic expenses for
the remainder of their lives, ...
219. Many Retirees Cannot Meet Basic Needs!
Brandeis University Study / February 2009
"78% of retiring Americans may not
be able to meet basic expenses for
the remainder of their lives, ...
...today 1/3 have no money left over
after meeting essential expenses,...
220. Many Retirees Cannot Meet Basic Needs!
Brandeis University Study / February 2009
"78% of retiring Americans may not
be able to meet basic expenses for
the remainder of their lives, ...
and younger people may be facing
an even bleaker financial future
for their retirement years.”
...today 1/3 have no money left over
after meeting essential expenses,...
221.
222.
223.
224. YOU HAVE A CHOICE!
DON'T Become a Casualty
of the Looming Boomer
Retirement (& TAX) Catastrophe!
225. YOU HAVE A CHOICE!
DON'T Become a Casualty
of the Looming Boomer
Retirement (& TAX) Catastrophe!
It IS time to Save a
SMARTER, BETTER Way!
226. YOU HAVE A CHOICE!
DON'T Become a Casualty
of the Looming Boomer
Retirement (& TAX) Catastrophe!
It IS time to Save a
SMARTER, BETTER Way!
TAX FREE Indexed Life!
228. "Even if you're on
the right track,
You'll get run over if
you just sit there."
Will Rogers
229.
230. The Time is NOW to
Save a BETTER Way!
Peter Langelier
207 740 0827
plangelier
@langelierinsurance.com
Norway ME
Editor's Notes
You have a choice! Between the “Real” Stock Market for your retirement savings. Or you can have “the stock market they sell you” – but ONLY with Indexed Life.