The Blackbook of Alternative Investment Strategies: 12 Little Known-Ways to Invest Outside the Stock Market by Неизв

Author:Неизв. [Неизв.]
Language: eng
Format: epub, pdf
Publisher: Sean Erlenbeck & David Risi
Published: 2015-04-19T21:00:00+00:00

What about the upside though? What do I give up in return for this guarantee of no loss? In our flagship product, the ‘Cap’, or maximum interest you can be credited, is between 13% and 16%. If you think that trading a maximum return of even 13% for a floor of 0% is a bad deal, you are crazy. Needless to say, the protection against a volatile market gives you a far greater security and control over your assets if and when life doesn’t go exactly as planned.

I cannot stress the power of the Guaranteed Index Account enough. When in the market, volatility is absolutely your enemy. This is pure and simple. In an IUL, with a Guaranteed Index Account, volatility is your friend. When the market has a significant downturn, you get a 0% return. Now once the market is significantly lower, it will likely rebound. As the market rebounds, you are able to participate in all the gains even though you never experienced the losses. This means you get the good of the market, without the bad. What I’m about to tell you is tremendous. It’s what the banks, the financial institutions, and those seeking to control the information flow don’t want you to know. Over the past 20 years, the Guaranteed Index Account has had historically better returns than being directly in the market itself, but without the risk.

The IUL: Preferred Distributions (Tax-free, Penalty-Free, Any Time, Any Reason)

The IUL also has the answer for an increase in future taxes. Under IRS code 7702, distributions from an IUL, if structured correctly, can be TAX-FREE. This means you pay tax on the dollars going in, but pay NO tax on the gains when you distribute the money coming out. You pay tax on the seed, not the harvest. All the gains you reap after purchasing the policy can be distributed TAX-FREE. Should tax rates soar or markets crash, your account will be blissfully impervious to either of these two catastrophes. Also, should you need to access the money prior to age 59 and 1/2, there is no 10% penalty. You can access your money at any time, for any reason, with no penalty.

The IUL: A Financial Lever

So, obviously the IUL makes sense in comparison to other retirement vehicles for someone who wants the safety without sacrificing returns; but what about the younger investor? What about someone who wants to take a little more risk? What about the wealthy investor who is looking to increase his accumulation, and is not as concerned with the guarantees of retirement, but simply wants to take advantage of every tax and investment principle available to grow their wealth to its maximum potential? My final point will summarize how this plan can fill the void for someone looking for a stand-alone secure savings vehicle, but also serve as a leveraged platform for those looking to vitalize their portfolio like never before.

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