The Safe Money Opportunity

Transcription

1 With low and even negative yields to maturity on bonds, we need a solution for safe growth. The Safe Money Opportunity Are current bond yields worth the risk? Are there any alternatives? In these volatile economic times we are experiencing, many friends and clients are expressing their concern as to how to handle their little/no risk investment dollars. Depending on their financial situation, they may have a brokerage account or a real estate portfolio that is reaching for higher returns. That s great - and a necessary part of total portfolio management. Regarding the money that is a core foundation of their wealth the money with NO risk to their principal many are frustrated with DISMALLY low CD and money market rates. They don t feel that bonds are returning enough to warrant the risk, and they are seeking a better strategy. The stock market is way too dangerous to invest in without a safety net! Imagine turning $100,000 into $104,000 overnight That's right! - an immediate, day one, right away, 4% premium bonus on every one of your dollars.* In this report, we will explain a great option for keeping your money safe. This issue is so important because it is an opportunity that is not always available. In other words, demand drives the product offerings and when certain special offers receive too many applicants, issuers can elect to pull or alter products as they deem necessary. Currently, this specific option IS a great solution! Brought to you by: EVERY $1.00 will turn into $1.04 immediately; $25,000 becomes $26,000. $50,000 becomes $52,000. $100,000 becomes $104,000. You get the picture. *Subject to account reduction if withdrawn early To receive additional report series please go to And click on the Free Resources tab

2 Protecting Your Wealth Without Sacrificing Growth or Liquidity With the financial pitfalls we see every day, and big-time financial pundits telling you it is Risk Off* time for your portfolio, finding opportunities to make a return on your money can seem like an impossibility. Long term interest rates are so low - that if you want to find guaranteed growth, you have to hand over your money for more than a decade. CDs are paying less than 1% - and on top of that - all interest is simple and fully taxable. What is an investor to do? We want to provide you with a solution and what we have found to be the best Safe Money Opportunity available today. It involves growth without risk - and convenient liquidity - so if economic circumstances do change, you have the flexibility to withdraw your money. The essential quality of this vehicle is the ability to earn upside growth without any market risk. The concept is really quite simple and has been around for almost 20 years. If the major market indices go up - you make money. If they go down - you're protected from loss of principal and any prior gain by an insurance company that stands behind your deposit. Heads you win, tails you DON'T lose and your annual gains are locked in forever! This financial instrument is not a mutual fund, a registered security, or an investment in the stock market. Unlike these investments, you can not lose your principal as a result of what happens in the stock market. *Risk Off when investors attempt to reduce risk by selling existing risky positions and move money to either cash positions or low/no-risk positions, such as U.S. Treasury bonds. Benefits of this Opportunity Enjoy stock market linked returns without stock market risk Retro-pick the top market indices as if you owned your own time machine Liquidity, Liquidity, Liquidity Have unprecedented access to your money Permanently secure your retirement funds Generate guaranteed income for life 2

3 The Solution: Investment Grade Fixed Indexed Annuities We call them Investment Grade Fixed Indexed Annuities and have been utilizing them since they first appeared about seventeen years ago. From our own and our clients experiences, we have authored two special reports: The Future of Retirement Savings and Growth Without Risk. At Secure Estate Solutions, we are continuously on the lookout for product innovations that not only make sense, but above all, put our clients first. It s what we do best. We have helped hundreds of clients not only outpace inflation, but more importantly, none of them experienced ANY financial loss with their money allocated to Investment Grade Fixed Index Annuities during the market crash of OR in Today they are ecstatic with their decision to follow our advice. Currently there are over 300 Indexed Annuities on the market. It can be extremely confusing to know which to select and is why we created a subcategory called Investment Grade Fixed Index Annuities (IGFIA.) The requirements for an IGFIA are that it can have no fees, must come from a company with a long history of interest rate integrity, and have the highest interest crediting strategies on the market. In our research we've found an outstanding option an Indexed Annuity offering a bonus and has all the features we require plus unprecedented liquidity in these volatile economic times. You Can Sleep Well at Night with this Strategy It's an indexed annuity issued by a 165 Year Old Life Insurance Company that has an AM Best rating of Excellent. If you are wondering why you haven t heard of this before it is because the commission is too low for typical annuity salesmen. With this annuity there are three distinct interest crediting strategies which ALL INCLUDE THE 4% BONUS IMMEDIATELY UPON DEPOSIT: A guaranteed fixed rate of 2%. An S&P Annual Point-to-Point 1-Year Reset Global Look-Back Strategy (explained in detail on the next page) 3

4 Annual Reset Global Look-Back Strategy Explained Interest earnings for the Annual Reset Global Look-Back Strategy are linked to the performance of three different stock market indices: the Russell 2000 Index, the EuroStoxx 50 Index and The Hang Seng Index. Your annual rate of return is based on the sum of the average growth of each index. On your annuity s anniversary date, your account will look-back at the performance of the indices allocating 60% into the best performing index and 40% to the next best performer. The worst is thrown out of the annual calculation index. Next, the composite total is multiplied by the Participation Rate (PR), which currently is the same as the guaranteed minimum Participation Rate of 20%. Should interest rates move upward the PR will follow accordingly. THE INDEXING CREDIT WILL NEVER BE LESS THAN 0%. This is truly GROWTH WITHOUT RISK. Many clients that we speak with about this recommendation are concerned about future inflation in America. By using the Hang Seng and EuroStoxx Indexes, participation is in the upside of foreign markets, which helps hedge against the ravages of inflation. Global Look-Back Strategy Example Based on Guaranteed PR of 20% Growth for each index over the last 12 months had the following return: Hang Seng: Up +22% Russell 2000: Up +19% EuroStoxx50: Down -5% One year interest is then calculated as follows: Heng Seng: 22% X 60% = 13.20% Russell 2000: 19% X 40% = 7.6% EuroStoxx 50: THROWN OUT =20.80%% x 20% Amount Credited = 4.16% The Participation Rate is reset annually. We used 20% in our example as that is the contractual minimum participation rate, although it has been as high as 60% in the past. Regardless of the allocation strategy you choose, you cannot lose principal. Every year when your credit is calculated and added to your account THAT BECOMES PART OF YOUR PRINCIPAL! So even if the Indices in the strategies you choose are all negative you can not lose your principle or previously credited interest. 4

5 Liquidity: Five Options For Accessing Your Money Like all annuities, this account levies an early liquidation fee. Much of this fee is simply a return of the 4% cash bonus the insurance company initially credited to your account. However, situations arise and should you need access to your money, there are five different "exit doors" that provide extensive liquidity for different situations. Penalty Free Withdrawal Need some income? After the first contract year, you may withdraw up to 10% of the prior contract anniversary's accumulated value without incurring withdrawal charges or market value adjustments. This is standard in the annuity world today but here s where our strategy is BETTER than others. The 10% annual penalty free withdrawal ACCRUES if you don t use it! Like cell phone minutes that roll over to the next month if you don t use them, your annual 10% rolls over to the next year UP TO 50% of the accumulated value. That provides amazing liquidity almost unheard of in these volatile financial times! Nursing Home Waiver If you purchase this annuity before you are admitted into a qualified care facility or nursing home, you can withdraw up to 100% of your prior anniversary's accumulated value without incurring withdrawal charges or market value adjustments. This is a compassion clause not offered with other annuities. Death Benefit In the event of the annuitant's death, the beneficiaries can receive the greater of the contract's accumulated value or the minimum guaranteed value in a lump sum. Exchange After the first year, you have the option of exchanging your contract for a Single Deposit Income Annuity. You can generate guaranteed income for as few as five years all the way up to a lifetime of income without incurring withdrawal charges or market value adjustments. Surrender The liquidity of this annuity is so exceptional, that if the unforeseen did happen, after three years you could cancel the contract and receive all of your deposit back PLUS INTEREST!! - And that is a contractually guaranteed worst-case scenario. There are NO Market Value Adjustments on any withdrawals from this annuity. There are also no gimmicks, tricks or hidden fees in the fine print that will alter your account value. 5

6 A Closer Look at the Safe Money Opportunity The Numbers Year $100,000* Purchase Payment Basket Index Return Account Value Surrender Value Guaranteed Minimum Surrender Value Penalty-Free Withdrawal 2003 $104, % $112,570 $103,564 $94,245 0% 2004 $0 3.09% $116,048 $107,925 $97,072 10% 2005 $0 2.92% $119,437 $112,270 $99,985 20% 2006 $0 5.46% $125,958 $119,660 $102,984 30% 2007 $0 5.26% $132,583 $127,280 $106,074 40% 2008 $0 0.00% $132,583 $128,606 $109,256 50% 2009 $0 8.26% $143,535 $140,664 $112,533 50% 2010 $0 3.46% $148,501 $147,016 $115,909 50% 2011 $0 0.00% $148,501 $148,501 $119,387 50% 2012 $0 3.92% $154,322 $154,322 $122, % *Hypothetical $100,000 deposit made in Minimum deposit is $5,000. This illustration shows numerically how this special IGFIA works. Notice the Account Value column which shows how the annuity historically accumulated year by year according to current interest rates. This is the GROWTH WITHOUT RISK we have been referring to. These numbers are from what many financial gurus call The Lost Decade - a time where investors made little, nothing, or even lost money. Many stock indices were VERY volatile over this time frame and this strategy WITH NO RISK averaged 5.36% when compared to the simple interest of bonds and CDs! That kind of growth with NO FEE s while you still maintain access to your money! The Guaranteed Minimum Surrender Value column is the contractual minimum liquidation value of this Safe Money Opportunity. Look closely at those numbers - we cannot emphasize enough what an opportunity this is! As you can see, the right hand column illustrates the guaranteed minimum interest rate of 3% compounded annually (a calculation beginning with 87.5% of your initial investment plus the dollar value of the bonus!) This is the worst case scenario with the Safe Money Strategy which is significantly better than the best case scenario with any of today s CDs! There is no other annuity available that gives you that kind of a guarantee AND offers the upside potential of the Global Look-Back Strategy. And don t forget the unparalleled liquidity features. The only concern is that this top-rated insurance carrier will close this opportunity soon, so you need to act today! 6

7 Investment Grade Fixed Annuities: Additional Details A- Rated (Excellent) by AM BEST. Our #1 priority is to keep your money safe, which is why we insist on nothing but companies with the highest ratings. The underwriting company of the Safe Money Strategy has been in business for 165 years and is one of the oldest companies in the Western Hemisphere! Four Percent First Year Premium Bonus. On day one your annuity will be credited with a 4% bonus. That's right every $100,000 turns into $104,000 immediately. At current interest rates for CDs, it would take you THREE OR FOUR YEARS to get a guaranteed return of 4% and the Safe Money Opportunity gives that to you IMMEDIATELY! Lock In or Annual Reset. This feature could have saved a lot of Americans from losing a significant portion of their retirement during the tech wreck of 2001 and Or just imagine what a retirement savings account might look like if the downside of 2008 never happened! The Annual Reset feature locks in any interest earnings realized for the chosen strategy at the end of each contract year. Your gains, once locked in gains can never disappear regardless of what happens to the stock market or interest rates in future years. Option to Receive Income for Life. Worried about outliving your retirement savings? Americans are living longer and longer while costs continually rise. Although rarely utilized, after the first year you have the option to exchange your IGFIA for a Single Deposit Income Annuity and receive guaranteed income payments for the rest of your life. 100% of Your Money Goes to Work Immediately. There are no upfront sales charges, so with the IGFIA 100% of your deposit, plus your 4% bonus, is put to work for you on day one. No management fees, no rider fees, no ongoing or upfront fees at all! When Scott Sandell contacted me back in 2005 about an Indexed Annuity, it sounded like a good idea. Wow, what a fantastic return with basically no downside! With 20/20 hindsight, I wish I would have put my whole portfolio in it! I could have avoided turning my 401K into a 201K when the stock market melted down over the last several years. - John V. of Mesa, AZ 7

8 It s Time to Start Thinking Differently about Safe Investing You can see why we are so excited about this new opportunity and why we consider select few annuities that make our IGFIA list. The Safe Money Opportunity is one of the best retirement vehicles available today. It's not every day that you find the opportunity for potential growth with true safety in the same financial vehicle. It's no wonder that savvy, safe- money retirement savers are turning to Indexed Annuities with over $54.5 billion deposited in IGFIA can help you diversify your retirement funds, provide you with long-term accumulation without market risk and help protect you against the eroding effects of inflation, taxes and management fees. We've made it easy to take advantage of the Safe Money Opportunity! 1. Contact our office at As humorist Will Rogers once said, "I'm more interested in the return of my money than the return on my money." Don't wait to lock in stock market linked returns without stock market risk to your principal. Sleep well at night and benefit from this Investment Grade Fixed Indexed Annuity today! As always, we stand behind every investment we recommend. Every one of our clients with IGFIA have a 20- day free-look period. If for any reason whatsoever, you aren't happy with your Investment Grade Fixed Indexed Annuity in the first 20 days after receipt, 100% of your money will be refunded- no questions, no fees, and no hassles GUARANTEED! 2. Set up a complimentary NO OBLIGATION consultation. 3. In our complimentary consultation we will focus on your situation and your needs. We believe planning always comes before investing. We are NOT salesmen. We are as unbiased as we can be because we are licensed for every financial tool. Of course, we're always available to answer any of your questions and are ready to help every step of the way. Please pick up your phone and call us today at and take advantage of this great opportunity. 8