That’s why the Dalbar study shows the typical equity mutual fund investor has only managed to eke out a 3.83% annual return for the past TWENTY years, barely beating inflation!

A properly structured Bank On Yourself policy can beat that with a stick. It takes all the luck, skill and guesswork out of the equation.

I love it when I hear someone comment that term is cheaper than whole life because the premium is lower. Thats like saying a 30 yr mortgage is cheaper than a 15 yr mortgage because the monthly payment is lower. Or how someone constantly states that it takes years for the policy to have cash values when the BOY concept is not even addressing that specifc type of whole life policy design. Invest the difference? Where? the stock market? CDs?

Why is it so difficult for people to understand that BOY is not an investment that should or can be compared to stocks/mutual funds/treasuries, CDs, etc. Its a money management planning concept. You can still invest in all these investments if you so choose with using the BOY concept…Its not an either or!

But then again….”their way” has just done so well for people as they pay high interest to credit card companies, finance companies,lose 40%, 50% or more in the stock market and earn less than 1% in the bank. Thank you all for your phenominal advice all these years..its worked sooo well (sarcasm intentionally intended ofcourse )

Here’s a brainstorm…since your ways just don’t work and don’t bring anyone financial freedom…how about opening up to new ideas???? Remember, contrary to (your) popular belief…the world is NOT flat it is ROUND!!!!

Bank On Yourself Authorized Advisors only use dividend-paying companies that are in essence owner by policyowners, NOT stockholders. Any profits are then disbursed to policyowners in the form of dividends.

Bank On Yourself Advisors use only companies that have paid dividends EVERY year for at least the past 100 years (including during the Great Depression).

It’s better than buying stock – even in a company that sells life insurance – because you don’t have the risk or volatility that comes with stocks.

To get a referral to one of only 200 Bank On Yourself Advisors in the country, request a free Analysis and you’ll be connected with one.

Now the 2nd thing is for the “buy term and invest the rest” crowd.

I have personally seen people Lose HALF their value during the down slide of the stock market. If you want to play with your money like that you can go right ahead. when you turn 65 and go to sell your investments for income..and your portfolio is down 25 percent 2 things are going to happen. You are going to sell those shares at a loss and pay income tax on the sale. Now do you think taxes are going to go up or down in the next 40 years? They are going to go up and so is everything else. Not to mention buy selling those shares you are losing opportunity cost which is even hurting you worst. When the fund goes up in value that money will not be in it benefiting you.

Whole life is not expensive if you do it correctly. Buy what you can afford as early as you can afford it. I have a policy that started at 111k last year June 2010 A year later it is at 119k ( 7 percent policy increase) and 1k in cash value I can take a loan out if I need. ALL of this will increase every year guaranteed at 4 – 4.5 percent.That’s not even including dividends.