Why Gold Will Never Out Perform The Market

Whenever I turn on the radio I hear another ad persuading people to invest in gold as protection from another stock market crash. These ads remind me of graduating from college back in 1974. I had just started in the business and was looking forward to profitable investments. Then the economy tanked. With the stock market falling and runaway inflation increasing, there was evidence of financial stress everywhere. Lines even formed down streets simply to buy gasoline. The Dow Jones dropped to a record low of 587. I remember seeing the headline in the Wall Street Journal saying "The Dow is Dead." Analysts were predicting that fall to be the end of our stock market. Financial advisors told everyone to take all that they had out of the market and invest it into gold. Although gold may have been a safe place to invest money, it has failed to deliver on the promise of growth. The value of gold has only increased six times its value since 1974, while the Dow Jones has grown over thirty times its value as of 2015.

This leads us to today. What if you had the ability to combine the safety of investing in gold with the earnings of the stock market alongside the tax advantages of a Roth IRA?

Sounds unbelievable? It’s not. I have worked with experts in the financial planning industry to develop a retirement savings plan that provides you the advantages of all three. This retirement savings plan is unlike any you have ever heard or read about. We have taken common financial tools and have combined them into a unique design that allows investors to take full advantage of all of the benefits available today. If you would like to have a plan designed for you, simply fill out the request form below. We look forward to showing you how to take advantage of all the financial benefits available to you today.

Advanced Savings Concepts, Retirement Savings, Investing, Retirement Funds, Roth IRA, 401(k), Qualified Retirement, Retirement Planning

Comparing IUL Insurance to IRAs and 401(k)s

Whenever the stock market experiences a growth spurt, it’s hard for even the most conservative investors to sit on the sidelines. That phenomenon, no doubt, explains the dramatic rise in something called indexed universal life (IUL) insurance over the past few years.

Like other permanent life insurance products, IUL features an insurance component as well as a cash benefit that holders can tap when the need arises. But there’s a key difference. Instead of crediting a policyholder’s account based on conservative bond

funds, insurers tie it to a stock index like the S&P 500.

Unquestionably, indexed universal life policies are one of the hottest offerings in the financial sector. According to the research firm LIMRA, IUL premiums rose by a staggering 23% in 2014 alone.

But they’re also one of the most contentious. Now, some financial gurus urge investors to steer clear of whole life policies altogether, repeating the old maxim “buy term and invest the rest.” With IUL, however, the debate is particularly fiery. Even New York’s top insurance regulator has called into question the sales practices surrounding this trendy form of insurance.

Read more: http://www.investopedia.com/articles/personal-finance/042115/comparing-iul-insurance-iras-and-401ks.asp#ixzz3Y4RANG4i