Real Estate and Other Investments

Bank On Yourself versus Real Estate and Other Investments

Real estate and other investments can be part of a well-diversified financial plan.  Real estate enjoys some tax advantages and the potential for income and appreciation.  Let’s look at how real estate compares to Bank On Yourself first:

1.  Are you in control of your equity?

Bank On Yourself

Bank On Yourself gives you complete control over your equity in the policy.  You can borrow your equity whenever you want, for whatever you want, and you don’t have to sell your assets to do so.  Your money in the policy could continue growing as though you never touched a dime of it (if your plan is administered by one of a handful of companies that offers this feature, in addition to the other features recommended to maximize the benefits of this concept). You determine your own repayment schedule.

Because you  have the option of borrowing against the cash value in your policy and then investing that money elsewhere, while still receiving the same guaranteed annual increase and any dividends that may be credited, regardless of whether you have a policy loan, some people have chosen to use their policy equity to invest in a variety of real estate ventures.  Hear their stories in their own words.

It lets you use your equity in the policy and still have it working for you.

Real Estate

The financial crisis and credit lockdown have made it painfully clear how little control you have over the equity in your home and other real estate.  Home equity lines of credit have been slashed or frozen without warning, and refinancing options have dried up, even for people with good credit.

As Mark Twain noted, “A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain.

Many people also got an unpleasant surprise when they discovered how difficult it can become to sell your real estate to get at your equity.  Much like trying to predict a stock market timeline, you have no guarantee the market will be up when you’re ready to sell, and no way of knowing how long it will take to sell.

2.  Is your growth predictable and guaranteed?

Bank On Yourself

Your growth in the kind of policies used for the Bank On Yourself concept is both predictable and guaranteed.  You receive a guaranteed annual increase, plus you have the potential for dividends, which have been paid every single year for more than 100 years by the companies recommended by Bank On Yourself Authorized Advisors.

Real Estate

Many people were counting on their equity in their home to help fund their retirement.  What they weren’t aware of is the fact that the long-term average increase in home values has been less than 1% a year, adjusted for inflation, even after taking several periods of rapid appreciation into account.  (This has been well documented by Robert Shiller, the co-creator of the Case-Shiller Index for measuring home prices, and author of the must-read book, Irrational Exuberance, published in 2005.)

There’s no way to predict real estate values, whether residential or commercial.  There’s also no way to predict how much you’ll be able to charge to rent or lease your real estate, or how long it will take to find a tenant.

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How Do Other Investments Like Gold, Commodities, and Currency Compare with Bank On Yourself?

Periodic run-ups in these types of investments have been an irresistible lure to many Americans.  Not long ago everyone was jumping on the gold bandwagon, as they became convinced the price of gold could only go one direction – up.

Often, people are unaware of the historical boom and bust cycles of these investments, like the fact that gold hit a high in 1980, then plunged and did not return to that level until 2006 – a full 26 years later!

A Picture is Worth a Thousand Words…

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Similarly, in 2008, many people, convinced commodities could only continue to skyrocket, were surprised by one of the worst commodity crashes in history.

Today’s hot investment is often tomorrow’s loser. Falling victim to the “but this time is different,” or “this investment can’t go down,” or “I’ll know when to get out” mentality is a sure path to financial insecurity.

Using the Bank On Yourself concept, you could be able to predict the minimum value, and the minimum amount you’ll be able to take from your policy and for how long you could take it.  Any dividends paid will increase those amounts.

Bank On Yourself gives you the best of both worlds:  If an investment opportunity arises, you could borrow against your cash value for that purpose, and the money in your policy could continue growing as though you never touched a dime of it, as explained in #1 above.  In addition, you’ll receive all the other 17 major advantages and guarantees that Bank On Yourself comes with.

Still think your favorite saving or investing method can beat Bank On Yourself?  If so, take our Challenge – if you’re right, we’ll pay you $100,000!

http://www.bankonyourself.com/about-the-book

If you’re ready to see what your bottom-line numbers and results could be if you used Bank On Yourself in your financial plan, request your free Analysis today, and we’ll put you in touch with a knowledgeable Authorized Advisor (a life insurance agent with advanced training on this concept) who can answer all your questions and prepare an Analysis and Solution custom tailored for your situation.