Best way to invest money?
Explore the benefits of Bank On Yourself…
The ways that Bank on Yourself can be used to improve your life are almost without number. Here are just a few, as featured in Pamela Yellen’s best-selling book, Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future:
- Have a Secure, Enjoyable Retirement without worrying about market fluctuations (or crashes)
- Finance Business and Professional Expenses and recapture the cost of these items and the interest you now pay to financial institutions
- What’s “Better than Debt Free?” Reduce your debt while you increase your savings
- Create an Emergency Fund for peace of mind
- Build a College Fund without going broke
When you compare Bank on Yourself to many traditional savings and investment methods, you’ll discover some key differences.
If you haven’t already started to Bank On Yourself, please take the first step today and take back control of your financial future!
Is it necessary to risk your money in order to grow it?
That’s what the conventional wisdom would have us believe. And the Wall Street “gurus” keep insisting that if you just hang in there, you’ll come out ahead.
However, several recent studies have revealed some startling facts that Wall Street and your stockbroker are praying you don’t discover:
The typical equity investor has barely managed to eke out a gain for the last 20 years, after adjusting for inflation. Asset allocation and fixed income investors actually lost ground when factoring in inflation (Source: DALBAR 2010 Quantitative Analysis of Investor Behavior)
For the past forty years, ordinary long-term treasury bonds have outpaced investing in the stock market, which means the only “rewards” investors have received for taking the extra risk of stocks and equity mutual funds are sleepless nights and broken retirement dreams (Source: “Bonds Why Bother?” Journal of Indexes, May/June 2009 Issue)
Another study recently revealed that, for the past 190 years, American stocks have averaged a REAL annual return of only 1.4 percent! (Source: “Stock market’s real return? Paltry,” by Anthony Mirhaydari, MSN Money, February 1, 2010)
The annual returns touted in mutual fund prospectuses are nothing more than smoke and mirrors. It’s possible to invest $50,000, for example, and get a 25% “average annual return” on your money every year for ten or twenty years… and end up with only the $50,000 you started with! See the proof here.
Four out of five mutual funds and investment advisory services underperform the overall market over the long term (Source: The Hulbert Financial Digest, July 2009 cover article)
Wall Street miserably failed even those planning to retire in just one year, as many of the funds created specifically to ensure those about to retire that their money would be there when they’re ready to tap into it sank more than 20%, and some suffered losses of 32 – 41 percent in 2008 (Source: “Bears Maul ‘Safe’ Target Funds, Too” – Wall Street Journal, January 11, 2009)
What more proof do we need that the system is broken?
And we challenge you to give us one single shred of evidence that the system has been fixed!
Bank On Yourself is a proven alternative that can let you take back control of your financial future.
Bank on Yourself can offer more assurances of safety and growth than conventional investments
No traditional investments – including stocks, mutual funds, real estate, gold and other commodities, options and currency – have any guarantees of growth or safety
The policies used for the Bank on Yourself concept grow every year by a contractually guaranteed and predictable amount, and neither your principal nor your gains are lost when the market tumbles.
You can have peace of mind for retirement planning, because you can know the minimum guaranteed value of your policy in any year and the minimum guaranteed annual income you could take from it.
No two policies are alike, however. To find out what your bottom line numbers and results could be if you added Bank On Yourself to your financial plan, request a free, no-obligation Analysis.
If you haven’t already started to Bank On Yourself, please take the first step today and take back control of your financial future!
Life insurance enjoys a multi-layer safety net…
A traditional whole life policy has four layers of protection:
Life insurance companies are audited by the state insurance commissioners office (sometimes by dozens of states) to ensure they maintain sufficient reserves in order to pay all claims and are on solid financial ground. (Even in the case of AIG, according to the National Association of Insurance Commissioners, their insurance subsidiaries “did not receive a bailout; they are financially solvent,” and has stated that AIG’s insurance subsidiaries did not cause the problem [the non-insurance operations of the the company did] and will, in fact, be part of the solution.)
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f an insurance company gets into financial difficulty, or fails to maintain proper reserves, the state insurance commissioners office can step in and take over the company and run it in the interest of the policy holders. Usually a failed insurer’s business is then taken over by another insurance company.
Most life insurance companies are audited annually by a number of independent insurance rating companies, state agencies, and/or public accounting firms. According to these services, the companies preferred by Bank on Yourself Advisors are among the financially strongest and best capitalized life insurance groups in the world.
Each state has an insurance guaranty fund that insures the cash value and death benefit of all policies up to certain limits that vary state by state. Within your state’s limits, if a company fails, “there is a very good chance that your policy will be transferred (to a different insurer) and you’ll never miss a beat,” according to the National Organization of Life and Health Insurance Guaranty Associations.
The policies recommended by Bank on Yourself Advisors also provide a fifth layer of protection:
The concept uses companies that are in essence owned by policy owners. rather than stockholders/investors, which allows the insurance company to focus on the long- term interests of policy holders instead of the short-term demands of Wall Street.
Less than 1% of these companies’ assets are invested in troubled firms, and they are not in the credit default insurance business. They do not sell any of the variable life and annuity products that have been in the news. The insurance companies recommended by Bank On Yourself Advisors invest very safely and securely to ensure they can deliver on their promises to policyowners.
Still skeptical? We invite you to compare your best saving or investing strategy against the 18 key advantages and guarantees of Bank On Yourself. Bank on Yourself founder Pamela Yellen has a standing offer to pay $100,000 to the first person who can match or beat it.
If you want to know how adding Bank On Yourself to your financial plan can impact your financial situation, all you need to do is fill out a simple Analysis Request Form and you’ll be put in touch with a life insurance agent who is a Bank On Yourself Authorized Advisor with expertise to match your specific needs.
Wondering where you’ll find the money to start to Bank On Yourself? There are at least eight ways to do this, so don’t rule yourself out for that reason.
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