The Ultimate Wealth-Building and Retirement Strategy… Whether the Market Goes Up, Down or Sideways

Have you been disappointed by your 401(k), IRA or other retirement plan?  Conventional wisdom tells us these plans are the best way to save and invest for retirement. Yet following this advice has resulted in financial insecurity for most Americans.

Because of this, most baby boomers have been forced to postpone retirement an average of five years.1

I’m often asked how using the Bank On Yourself method to save for retirement compares to traditional plans, so I put together this short video that reveals seven reasons Bank On Yourself makes an excellent retirement plan alternative.

Click the play button in the video below and see how many of these seven advantages you’d like to have in your financial plan…


The Ultimate Wealth-Building and Retirement Strategy… Whether the Market Goes Up, Down or Sideways

Would you like to find out how big your nest-egg could grow – guaranteed – if you added Bank On Yourself to your financial plan? No two plans are alike – yours would be custom-tailored to your unique situation, goals and dreams. To find out what your bottom-line numbers would be, request a FREE, no-obligation Analysis today.

If you’re wondering where you’ll find the money to fund your plan, keep in mind the Bank On Yourself Professionals are masters at helping people restructure their finances to free up money to fund a plan. Here are the eight most common places they look.

When you request your FREE Analysis, you’ll get a referral to one of only 200 financial representatives who have met the rigorous training and requirements to be a Bank On Yourself Professional. They’ll show you why Bank On Yourself is the ultimate wealth-building and retirement strategy… whether the market goes up, down or sideways.

1.  Bankers Life and Casualty Center for a Secure Retirement, May 2011


  1. Good to know…now that market “experts” say the new generation Y will need 2 million by retirement!! as seen here on MSN

    And those figures are assuming 8% every….single….year….on average and gen y should be socking away at least 500 or so a month at age 25 over and over to age 40….lol…doable yes…actually being done…unlikely…lol

    As if 1 million was not enough, and that generation barely managed to scrape together 40k to 100k or so total for retirement….oh and lets not forget the new generation according to some articles are earning less than the previous generation….lol

    I guess there was a reason they called us the NINJA generation.

  2. I’d differentiate here. BOY is an outstanding wealth preservation vehicle. It is actually a very poor wealth building vehicle. What do I mean by that? Well, it would help to start by defining “wealth”.

    Wealth in my definition is owning sufficient assets that the cashflow from those assets pay for all your expenses plus the underlying equity grows fast enough that this cashflow will always outpace inflation. In essence, you’ll never need to work again.

    Now, in order to build wealth you need to first have positive cashflow and then use it to purchase such assets (carefully purchased cash flowing real estate is the best option but there are 3 other options that can all potentially do the trick: dividend paying stocks, private businesses, and life insurance policies). Here’s the point. If you don’t already have a substantial amount of money you’re not going to create wealth in life insurance. It simply doesn’t grow fast enough to offer that possibility. On the other hand if you’re already got lots of money and want to preserve your wealth life insurance is an excellent place to do it (hence why it’s a part of estate planning for a lot of wealthy people). If you’re talking about building wealth the best place starts in private businesses (there’s simply no vehicle on the planet that can match the growth potential and cashflow ratios) and then moves into cashflowing real estate.

    The reality is the average person isn’t truly dedicated to building wealth. They are interested in safe guarding retirement and preserving what they’ve accumulated with a reasonable rate of return. For this purpose for the average person Life Insurance makes a very strong case (with some allowance for age considerations etc.). Life Insurance isn’t a great growth vehicle, you don’t get rich buying life insurance, but it’s great for growing your money a little above inflation consistently with a ton of other related benefits.

  3. My response is in reply to Mr. Rosmer, of whom wrote a fair and logical article about other options outside BOY. What was lacking, respectfully, is the assessment of risk in each of the stated vehicles-of-choice. For example, though small or private businesses ARE the American Dream for many, we all have known many intelligent and savvy people who have tried to grab the brass ring, only to close the doors at some point down the road. Usually this closing of the doors does not end well in terms of money, finances, and breached contracts/pending lawsuits (personal experience here).

    Real estate is viable, but requires a large level of capitalization to acquire properties AND weather the storms/challenges of same (landlord issues, insurance, property disputes, rising interest rates, over-leveraging, etc.). This is a viable plan which interestingly enough can be well supplemented by strong BOY policies as ‘reserves/capital’.

    And of course we have the stock market as a whole. On average, and based on the research I have come across, we can and should expect 7-8% returns on average for a long period of time going forward. This is simply due to poor economic fundamentals that took decades to occur, and may take longer (if at all) to remedy.


    I liken the BOY concept to the tortoise and the hare…one MIGHT very well win with the above suggested concepts, but to what degree the stress, ups/downs, and unknown variables play into these concepts? What is guaranteed in these vehicles? And are the downsides manageable?

    Lastly, as a side note and as the owner of 2 BOY policies, I have learned to look at my investable (non-living expense) dollars from an ‘estate’ perspective first and foremost. I have run hours of simulations and cannot find a way, with my own specific personal income and assets that the BTID argument wins at all (though there are some years it comes close). In the capitalization phase of the policies (first 5-7 years) my estate is expanded due to the death benefit. And beyond this timeline the cash value grows, to the point that my wife and I should be able to pull in excess of $1,200,000 (over a 15-18 year period) and STILL show an increase (of about $300k) in our death benefit at age 85 or so.


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