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INVESTMENT .

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What are you investing for?

Who are you investing for?

You must be able to answer these questions before you can know how to invest.


Have questions? Want more info?	Contact a Team Member.

People invest for different reasons, and there are various strategies for each. One main goal that most people have is saving enough money for retirement. (You can read more about that here: RETIREMENT.) Another important reason people invest is because they anticipate a major future expense, such as paying for a child's education or a special trip. If you're investing to have more money for any reason--to use for yourself now or to leave for others after you're gone--then we can help.

You should diversify your investments so that you minimize your risk of loss. If you invest all of your money in one place, and that goes down, you could lose most or all of your money. So people buy stocks because even though they are risky because there's a potential for fantastic growth. And people buy bonds or keep money in the bank because even though the returns are terrible there's a secure feeling that these investments are safe. Buying real estate is exciting and can provide tremendous upside, but you need to be active and know what you're doing to be successful. (You can get more info here: REAL ESTATE.)

IUL example returns

Whatever else you own, you should add some (or more) IUL to your portfolio. If you don't have other investments yet, then you can start with IUL. The earlier you start, the more successful you will be at accumulating wealth.
(You can get more info here: WEALTH BUILDING.) IUL, or Indexed Universal Life insurance, lets you save money now and take it out later when you need to use it. The money grows faster than some other investments because your value goes up when the market index increases, but does not drop when the market goes down. And your money grows tax free! You can use it for retirement or to pay for college education or anything really... IUL is that flexible. Plus after you pass away there is value left for your family.

We can help you understand how to use this tool. Essentially you put extra money you have in an IUL so that it can grow. Officially IUL is for retirement so you do not have to declare this money when you apply for government assistance or college financial aid. But you can still take out money when you need it for any purpose... not just for retirement. What you are doing is "overfunding" so that there is a big "refund" waiting when you need money... just like most people do with the annual tax returns. So many wealthy people use this financial tool. Contact us and we can tell you more:
Contact a Team Member.

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