Best way to invest money?
Do you believe it’s necessary to risk your money in order to grow it, as the conventional wisdom about investing would have us believe?
The events of the past decade have caused many people to question that belief. Yet 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 mutual fund investor has actually been losing money every year for the last 20 years, after adjusting for inflation (Source: DALBAR’s 2008 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)
- 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 has 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)
- Almost one-third of the college savings plans for kids who expected to be off to college in just a couple years fell by as much as 40% or more in 2008 – and it’s not like these kids have 10 or 20 years to make up the losses! (Source: “Did Your College Savings Plan Blow Up On You?” – Wall Street Journal, March 30, 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.
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:
- Finance Business and Professional Expenses and get back all of the payments and the interest you would otherwise be paying to financing institutions
- Plan for a secure, enjoyable Retirement without worrying about market fluctuations (or crashes)
- 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.
Bank on Yourself can offer more assurances of safety and growth than conventional investments
No traditional investment, 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 each year by a contractually guaranteed and predictable amount, and neither your principal nor your gains are lost when the market tumbles.
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 Sandy Praeger, Past-President of 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 and will, in fact, be part of the solution.)- If 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 handful 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 Peter Gallanis, President of 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 or annuity products or Guaranteed Investment Contracts that have been in the news.
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.
