Get a 6% tax-free
return. In this episode, I'm going to
teach you
and answer the question "Can you get a
safe
6% return?" Well, the answer is
absolutely. And you're going to
understand how and why. And I'm going to
empower you with a free copy
of my most recent 300-page best-selling
book.
So, I'm Doug Andrew. I've been a financial
strategist and retirement planning
specialist for more than 46 years.
And I have actually experienced and
helped thousands of
my clients earn average rates of return
in excess of 6%. I've always
liked to
under promise and over deliver.
And they want to know where is the best
place to put their serious cash
for retirement and earn a rate of return
that is safe and predictable in
the 6-percent range. Then
instantly, I would show my clients and
professionals will show their clients a
max-funded
indexed universal life insurance
illustration. Because based on actual
history, these have performed rates of
return in
the 8.2 to 10.07 percent
range. But right now, we're in a low
interest environment.
And so, there was actually a new
legislation
and in the insurance industry, they have
decided to only illustrate rates of
return may be down
around 5, 5.6. And this is called
the actuarial guideline, AG49 is what it's called. And so, many times
I would show people well, what if we only
earned
5.6 or 6 percent rates of return?
How would that compare to the average
return
people are actually achieving by having
their money in the market?
They're shocked when they learned that
the average stock market or mutual fund
return for retirees is only about
3.49%. Mainly because people buy
and sell at the wrong times and so forth.
Even if you bought and held
you might average 9% over
a 20-year test, okay? You pluck out 20
years out of history.
If you earn 9, you're only going to
net 6%
after paying the tax. If you have 1% asset management fees, a million
dollar nest egg,
they charge you 1%. That's 10
grand. But you pull out
uh 90,000 and you're only netting
usually 60,000 because of taxes. Maybe only
50,000 because of fees.
And so, a 6% tax-
free return is actually better than a
9% tax-deferred rate of return
because you're going to have to pay tax
on that 9 and only net 6. Then when
you subtract the fees, you're not
even netting the six. So, the answer to
the question is can you get a safe 6%
rate of return
based on history in some of the worst
periods of time
since the great depression? Like the lost
decade,
2000 to 2010, 2012. When people didn't
even
really make anything during that decade.
They made money lost it, made it, lost it,
made it back. And they barely came back
to break even.
Many clients using a max funded indexed
universal life insurance contract either
doubled or tripled their money tax-free.
A million was worth uh 2 million or 3
million at the end of that decade.
A lot of Americans they barely had their
million back they started with 10 or 12
years
earlier. So, the average return
on indexed universal life during that
worst decade
was 7.23% using indexing.
When you add a second strategy that I
teach on this channel called rebalancing,
the return went up to 10%. But
see, I like to just show people what if
you only earn
5 or 6. Would it outperform
money in the market even earning 9?
And when they see
that, then I love to over deliver
because most of the time people actually
achieve a much higher rate of return.
So, let me give you a few simple examples
but
if you've heard enough and you want to
learn more, let me show you how you can
learn by reading my most recent
bestselling book. I'll gift it to you
free.
So, I've written 11 books and these
concepts are taught in most of my books.
My most recent bestseller is called The
Laser Fund. L:aser is an acronym that
stands for liquid asset safely earning
returns.
This is a 300-page book. And if you want
to know more about
this, how to diversify and create the
foundation for tax-free retirement,
you can buy the book, it's 20 bucks. But
no. I'll gift it to you
free. If you click on the link below and
go to laserfund.com,
you simply pay 5.95 shipping and
handling and I'll send out
the free copy. So, make sure and claim
your free copy. But if you're intrigued
and you want to know a little bit more
right now,
listen, in that worst decade,
I mentioned that i earned an average of
7.23%
just using indexed universal life
and like Rip Van Winkle. If I fell asleep
in the year 2000
and I had a million bucks at that point
and I woke up in 2010,
I would have had 2 million using
indexing.
I didn't have to do anything. But if once
a year I simply rebalance my portfolio
and you can learn about that in the book.
I would
have had 3 million dollars in
at the end of 2010 or 2012.
People tripled their money when most
Americans were barely getting back
the original million they started with
10 or 12 years
earlier. That's the power behind indexing.
So, you want to use indexed universal
life.
You want to rebalance often. And when I
say often, not
monthly. You rebalance maybe once every
2 years.
You don't have to read the Wall Street
Journal every day is what I'm saying.
This is so management unintensive, okay?
That
it's my favorite vehicle to help people
accumulate their money tax-free,
access their money tax-free and when
they ultimately die it blossoms in value
and transfers income
tax-free. You'll learn in the book how
that is protected in the internal
revenue code under section 72E, 7702,
and 101A. You'll learn how to comply with
tax citations
Tefra, Defra and Tamra that allow you
to do this.
And this is why many, many savvy smart
wealthy people use this as their primary
repository
for serious cash. It basically
is immune from taxes going up because
it's tax-free.
If inflation happens, I don't like
inflation any more than probably you do.
But it doesn't hurt me.
I come along for the ride because I
link my returns to the things that are
inflating.
I've always earned a rate of return in
my Laser Fund of at least 5.5%
greater than the inflation
rate at the time.
But it also allows me to participate
when the market goes up. And I don't lose
when the market crashes. Because my money
is not at risk in the market. That's
called indexing.
And it's totally tax free and has been
that way for over a century in the
internal revenue code.
There are years like 2017
where many people earned 16%.
25%. When you use performance factors
or you're able to
use a multiplier, there are people that
have earned as high as 55%.
My heavens, can you get a safe 6% rate of return?
I think money inside of a max funded
indexed universal life insurance
contract is probably one of the safest
places
you could have as a repository for your
hard-earned money
because the multi-trillion legal reserve
insurance industry is not only the
backbone of america but the backbone of
the world.
This is where banks and credit unions
put 30 to 40 percent of their tier one
assets
for liquidity and safety. And you can
learn why and how.
So, please claim your free copy of The
Laser Fund. Simply go to
laserfund.com. Click on the link here
below.
And you simply pay $5.95 shipping and
handling.
I'll pay for the book and you claim your
free copy.
You read and learn. There's options in
there if you like to listen and learn or
watch and learn.
And this will be hopefully the beginning
of some A-ha's,
some epiphanies so that you can take
ownership and earn rates of return
of 6%, pretty much slam dunk.
But they're tax-free rates of return.
Which would be like earning
9 or 10 percent or maybe more in a
tax-deferred IRA or 401K where you're
going to have to pay taxes
sooner on Roths, later on
these traditional IRAs and 401Ks. And so,
this is why I put my serious cash here.
And why many people choose this because
it's far superior to traditional
investments like IRAs and 401Ks
invested in the market.
