What are Safe Money Investments?
The definition of “a safe money investment” is money you cannot afford to lose.
I believe that the money you’ve saved for retirement (or are currently saving for retirement) is money you can’t afford to lose. So I’m going to show you the best place to save money without risk.
Let me say that if you don’t have an old 401K plan or IRA, then you will want to start your Infinite Banking Concept policy for you future financial needs. But, if you have one of these qualified plans, then you NEED this information.
Let me give you two scenarios. In the first one you faithfully save for retirement each month, and all your money is at risk in the market. It goes up and down, and you have no idea what it will do month to month or year to year. You hope years later you’ll have more than you contributed. In the second , you save for retirement each month, but none of your money is ever at risk in the market. In grows nicely over time, but it never goes down in value. Not ever!
Which would you choose?
Let’s say your retirement money is in an old 401K from your previous employer, or you rolled it over to an IRA. Take your pick: 1)…all the money is in the market at risk going up and down with no idea what it will do month to month, year to year. Or 2)…all the money grows nicely and it never goes down in value…not ever. You’d be sure that in the future you’d have a nice nest egg without risk or worry, guaranteed.
Which would you choose?
It’s a no brainer! Of course you don’t want your money at risk. Of course you want your nest egg to grow and never go down in value. But most people have their money at risk. And what happens when the next recession or market down turn occurs? And it will occur.
Why do people put their hard earn retirement dollars at risk. Why do YOU do it?
I believe it’s because people just don’t know any other way to save for retirement. They’ve been told that in order to get a good return on your money, they need to put it at risk. No risk, no return as the saying goes. That’s simply not true.
There are ways you can dependably save for retirement, receive a good return on your money, and never see it go down in value. When it comes to your retirement money, this is how the bulk of your money should grow…no risk, good return. You want to make sure that after decades of saving for retirement, you WILL have a nice nest egg. Don’t let anything happen, near your time to retire, that will jeopardize that money.
In 2008 millions of Americans saw their 401Ks, IRAs, and other retirement accounts invested in the market, drop 30 to 50 percent. And so many of them wanted to retire that year, or in the next couple years. What do you think happened to their retirement. Gone. It takes years to recover from that.
Don’t ever let that happen to you!
What’s the Alternative?
The first alternative is the Infinite Banking Concept. It’s the main focus of this website. I won’t go into details here because you can learn more on the other pages of this website. You need to learn about it. It pays you income TAX-FREE in retirement.
The second alternative is a Fixed Annuity. What is it? I’m glad you asked. It’s a financial instrument issued by an insurance company that preserves your money and grows it for the future…without any risk.
Here’s a brief explanation. Fixed annuities can work like a CD. You put money in and earn a declared interest rate. The insurance company may say, as an example, they will pay you 4% a year for the next five years…compounding interest. The money grows tax deferred. There aren’t any fees and your earnings are guaranteed. With market based investments, you have fees and there aren’t any guarantees.
Now read this carefully. A fixed annuity can also be tied to a market index. It’s then called a fixed index annuity. Instead of the insurance company saying they will pay you a fixed amount of interest every year, they will tie your returns to a stock market index. While your money IS NOT EVER in the market, you can receive substantially higher returns.
So if you have a fixed index annuity with a 7% cap, it means that you will receive whatever that index gives you up to 7%. If the market does 10%, you receive 7%. If the market does 3%, you receive 3%. If the market index drops 20%, your account value stays the same. It can’t go down. You see, your account can only go up or stay the same.
What if the insurance company says they will give you a percentage of what the market does with no cap on the upside? So if the market does 20%, and the insurance company says they will give you 55% of whatever the index does, you would then receive 11%. Remember, no risk, no fees. Just pure growth…compounding growth.
And these accounts lock in every year, or two years, depending on which one you choose. So when the market is recovering for two or three years from a huge drop, and most people are waiting just to break even, your account value increases each year.
Here’s a VERY important question to consider. If you went 20 years and your account went up when the market went up and stayed put when the market dropped, and then went back up when the market started to recover, how well would your account grow? Think about it.
Here’s a video showing you the numbers on how this actually works. Don’t miss watching this video!
What I’ve just explained is something your typical financial advisor won’t tell you about. Why? Because they can’t charge you a fee. They will unethically tell you there’s no alternative to putting your money at risk. Watch this video for proof. It will blow your mind! The truth if finally out.
How Do I Get Paid
When you follow one of my recommendations, I get paid a commission.
You have some self righteous fee-based financial advisors in the market, and some ill informed talking heads, that will tell you I don’t care about you. That I just want to collect my big commission and “See you later”. That would be another lie. A fee only advisor makes more money than a commission advisor, truth be told. And give you no guarantees. They say, “Just trust me”. But when you lose money, which happens often enough, they still get paid. AND, their fee comes out of your account. Money gone that isn’t at work for you. My commission is paid by the company that issues the contract your money goes into. All your money goes to work without fees.
I stay with you for years, and you never lose a dime. For 20 years I had all my investment licenses and even collected a fee for handling accounts. I walked away from that years ago. I’ve been in that world. So I know what goes on in that world. I’ll never look you in the face and tell you it’s OK that your account has gone down 20%. “Don’t worry, the market will recover and you’ll be just fine”. That advisor may or may not have your interest at heart, but one thing is for sure, he doesn’t want you to move your money because then he will lose his fee. And that can’t happen.
I will show you how to create your own Personal Pension Plan so that you never stress about your retirement money again, while enjoying nice dependable growth.
What’s My Next Step?
Bottom line is this. You have a choice. Leave all your money in the market at risk (even bonds funds can be risky), or move the bulk of your nest egg into a safe money investment, guaranteed never to lose it. Grow your money without stress, and never wonder what will happen to your money when you get ready to retire.
And don’t forget, fixed annuities (and the Infinite Banking Concept) will pay you an income for life no matter what…an income that can never go down. That is certainly not the case with money in the stock market.
Contact me to learn more. You owe it to yourself to know the truth.
Work with me personally – Click Here
P.S. If you enjoyed this post about Safe Money Investments please comment below and share with those you feel will benefit.