Safe Money Investments

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 give you two scenarios.

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 of these two choices.

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 without market risk, and it never goes down in value…not ever! You would know 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 all their money at risk. And what happens when the next recession or market down-turn occurs? And it will occur.

Why do people put all 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 their 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. Make sure nothing can happen, as you near retirement, 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. Many of them wanted to retire that year, or in the next couple years. What do you think happened to their retirement. Gone! It took four years to recover from that!

Don’t ever let that happen to you!

What’s the Alternative?

The first alternative is a specifically designed cash value life insurance policy using the Infinite Banking Concept, or the L.I.R.P. (Life Insurance Retirement Plan). I won’t go into details here because you can learn more on the “Tax Free Retirement” tab. That strategy pays TAX-FREE income 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 NO guarantees.

Now read this carefully. A fixed annuity can also be tied to a stock market index, like the S and P 500 or the Nasdaq 100. It’s then called a fixed indexed annuity. Instead of the insurance company saying they will pay you a fixed amount of interest every year guaranteed, they will instead tie your returns to a stock market index. While your money IS NOT EVER in the market, you can receive substantially higher returns. 

So let’s say you have a fixed indexed annuity with a 10% cap. That means that you will receive whatever that index gives you up to 10%. So if the market does 10%, you receive 10%. If the market does 3%, you receive 3%. If the market does 15%, you will receive the cap of 10%. If the market index drops 20%, your account value stays the same. You can’t lose money due to poor market performance. You see, your account can only increase in value or stay the same. And this can happen with NO FEEs. Your gains are locked in each year. You can’t lose them.

The insurance company can also give you a percentage of what the market does with no cap on the upside. So, if the insurance company says they will give you 65% of what the S and P 500 does that year, and then the market is up 10%, that means you will receive 6.5%. And if the market does 30%, you receive 65% of that, or 22.68%. Not bad for no fee and no risk. Remember, no risk, no fees! Just pure growth…compounding growth. Again, those gains are locked in each year so you never lose your gains. 

ALERT! Because your fixed indexed annuity locks in its gain each year, you never have to worry about recovering from a market loss. If the market drops 20%, it must grow 25% the following year just to break even. Most of the time it takes two years plus to recover. Your indexed annuity doesn’t lose money in the down year. It just stays put. But the next year if the market returns 11%, and you have a 10% cap, you just added 10% to your account value. Everyone else is still in the hole just trying to break even. Do you understand how powerful that is?!? 

I’m not suggesting you have to put all of your retirement accounts in fixed or fixed indexed annuities. Just ask yourself…how much of my nest egg do I want to risk? How much can I afford to lose? It’s one of the best ways to grow your assets, or even create a legacy for your heirs. Remember, money in annuities passes to your heirs probate free. 

Here’s a VERY important question to consider. How secure do you want your retirement income to be? Do you want to take the chance you’ll run out of money? Or do you want A GURANTEED INCOME FOR LIFE you can not outlive? By using fixed and fixed indexed annuities, you can create a personal pension plan that will pay you a guaranteed income for life….for you and your spouse .

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. 

Great News. I have partnered with Tom Hegna, a retired Army Lt. Colonel and nationally renowned Economist, Author, and Retirement Expert with almost 40 years of experience, to co-host an on-demand webinar, Paychecks and Playchecks, the title of his best-selling book.

In this webinar you will learn valuable lessons and strategies that can change your retirement in ways you can only imagine.

1 How to Kiss Risk Goodbye. Say YES to risk free retirement.

2 How to Create Guaranteed Income in Retirement. Go from stressed out to confident in retirement.

3 How to Plan for Future Generations. Wealth planning and distribution strategies so you can leave money to beneficiaries the right way.

4 Long term Care that Pays for Itself, and more

REGISTER HERE to schedule a time to watch it.

How Do I Get Paid

When you follow one of my recommendations, I get paid a commission.

You have some self righteous 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. Fee only advisors make more money than commission advisors, truth be told. And they give you no guarantees. “Just trust me”, they say. When you lose money, which happens often enough, they still get paid. 

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’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 he can’t let that 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 Do I Do Now

Bottom line is this. You have a choice. Leave all your money in the market at risk (even bonds and bond funds can be risky), or move a portion 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 and fixed indexed annuities can 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 market.

Contact me to learn more. Or schedule a consultation with me HERE. You owe it to yourself to know the truth.