7%, 10%, 25%, 61% returns with no downside risk. In this episode, I'm going to address the question.
How to get high investment returns with no or very little risk? Get ready, this is going to blow you away.
So, my name's Doug Andrew, I've been a financial strategist
and a retirement planning specialist for more than 47 years and I'm just going to cut to the chase.
One of my favorite vehicles to help people accumulate their money tax-free and then later
be able to access their money tax-free. When I say later actually anytime even a few months later but
most people came to me as a retirement planning specialist. So this was later down the road for
their retirement or golden years where they could access the money tax-free and then when they
ultimately passed away. Whatever they left behind blossomed in value and transferred income tax free
and that vehicle is what I call the laser fund. Now, if you stay with me to the end of this episode.
I want to gift you a copy of my most recent 300-page best-selling book. It's flying off the warehouse
shelves several hundred a week go out and I want you to be able to claim your free copy so you can
learn how to diversify and create the foundation for a tax-free retirement. Do I recommend you have
a hundred percent of your money into a portfolio of laser funds? No. Even though we've had some
clients do that and we've taken them from the highest tax bracket down to a zero percent tax
bracket. But I would recommend that between 40-60% of your retirement income not even show up
on your 1040 tax return. The IRS will know you're receiving it but it's tax-free. There's nowhere on
a tax return to put it. So let me show you a few glimpses into what the laser fund does and then
I want you to claim your free copy here at the end of this episode. So, what is a laser fund? It is an
MFTA insurance contract. MFTA means max funded tax advantage an insurance contract where you
are designing the insurance contract. Usually a max funded life insurance policy the opposite way that
most Americans structure. In other words, a lot of people will buy life insurance for death benefits.
I'm talking about using it for living benefits which is really the idea behind the emergence of
universal life by Ef Hutton who was the brainchild of universal life and they weren't even an
insurance company. They realized in the internal revenue code section 72(e) 7702 and 101(a) that an
insurance contract is the only vehicle that allows you to accumulate money tax-free. Be able to access
the money tax-free all through your retirement and when you ultimately pass away anything
left in there will blossom in value increase in value and transfer income tax-free and so they
said let's take the least amount of insurance we can get away with by the IRS and put in the most
money the IRS allows and it turns into a tax-free cash cow. You can learn how that works on this very
channel. Subscribe to this channel by the way and click the little bell because you'll be
notified every time I post an in-depth answer to a financial question and I have over 500 educational
youtube videos on this channel. But stay with me to the end because I want to gift you a copy of
my most recent bestselling book the laser fund. Now, when I have an indexed universal life policy
I like to use index and I'm going to simplify this here first of all and then I'm going to show you
why it knocks the socks off of most investments and where people have been able to lock in gains
of 25, 30, and 61 percent. If I have a million dollars of cash value and sometimes people are
sucking away 500 a month into these for 30 years before it's grown to a million or sometimes people
put in a hundred grand a year for five years and and the 500,000 doubles to a million in seven and
a half years we've had many clients who have done that. I'm just talking about a snapshot in time.
If you have a million dollars of cash value right now in a max funded insurance contract
a laser fund. The insurance companies as of the recording of this episode are earning on their
general account portfolios maybe around 4 or 5 percent. They need one of those percentage
points for themselves. So, you can hunker down and play it safe and just say just pay me four percent
this year. That would be 40,000 or if you feel bullish about America like I usually do.
I tell them, you know what keep my millions safe in the insurance company don't put that at risk.
But take the four percent you're earning the 40,000 and fund an options budget. Now, the insurance
companies they buy options on an hourly basis. They're the number one purchaser of options in
the world and so what they do is they take that 40,000 and they buy upside options in the index
or indices that I choose that they offer. Most of them offer 10 or 15. It could be the S&P 500, the
Dow Jones, the Russell 2000, the Barclays US dynamic balance index or I can diversify and have 20%
of my million in each of five different ones if I want. What are they doing with that? They're buying
upside options so if the market goes up that 40,000 of options doubles to 80,000 or triples to
120,000 which allows them to be able to pay you whatever the index does. They're big boys
and girls they know what they're doing they can afford to do it because of the options. But what
if the market crashes? I don't lose my million. My million is safe. The options expired
worthless and so zero can be my hero the years that the market crashes. I may not earn anything.
I earned zero but I didn't lose and so this allows companies to credit me up to either a
cap or no cap as you're going to see here. That's how indexing works and there's other episodes
on this channel that will help you understand this in more depth. But let me go into actual
reports of what people have earned. Based upon the worst decades since the great depression
2000 to 2010 even let's go to 2012. Most Americans lost up to 40 percent twice during that decade.
If you look at this a lot of people who maybe had a million dollars in November of 1999 they saw that
million dollars dwindle after the 9/11 terrorist attacks for 2001 to 2003 down to about 600,000.
It took four years to come back to this break-even point. Let me show you right here and they had
to put off retirement seven years. They felt like they had lost their future. Then what happened
in 2008? It lost 40% again for the second time in a decade in one single year. It took four years to
come back to a million forty six thousand dollars. We call it the lost decade because people made
money lost money, made money lost money and do you know that many of our clients using indexing
they did not lose when the market went down. They may not have made much but as soon as the market
turned around they started making money when the market crashed again they didn't lose anything and
then they started making money. They ended up with 2 million and even 3 million dollars at the end of
that 12-year period when most Americans barely had their million dollars back that they started with.
Have I got your attention? People say, "Wel, l've never seen one do this." have financial advisors
naysayers who go, "Well, I've never seen one of these indexed universal life policies actually do this",
oh really? So, since you've never seen one you don't think it exists. How do you know
your brain exists? Have you ever seen that one? No. Well, yeah that's the kind of reasoning they're
using. So here are some actual statements. When our clients get statements of indexed universal life
this is what many times they will look like and it will show how they've allocated it
between the different indexes or indices and sometimes people leave it in a fixed account.
This year it was 9.32 percent. That's not bad 9.32 percent. You wouldn't believe how many
advisors go, "I've never seen one earn more than two or three percent", 9.32% this is very common.
Here is one that was primarily into what is called the five-year high par. This was 9.96%.
We have many people who will diversify and have 20 let's say they have a million. They have 200,000
in each of five different strategies. Here this client earned point eight nine percent on one
fifth of their money. If they had a million that would be 200,000 ten and a quarter
on another portion. 15% on another, 8% another, 13%on another.
When you add all these up many times they're averaging in excess of 10%. They've experienced
this year after year after year some years higher than others. Here is one of my favorite. This is
where a person actually started out and they were diversified and look at this they had
84,000 in this one they got 61.33%. This is March of 2020 ending March of 2021. They made $51,000 and
they ended up with 135,000 one year later from the 84,000. We had many people who got 61.33%. This is
a one-year point-to-point no cap strategy you can learn about on this channel. Here's another client
that got 61.33% seven and a quarter and another twelve on another nine
on another. You can bet they were going, I wish would have all of it in the 61.33%
But 18,000 grew by 11,500 and they had 29,000
at the end of one single year on that portion. Here's another one as of the recording
of this episode. This just happened in the last few months. This is in the year 2021. This client at
468,000 was credited 61.33%. Why? Because in March of the year 2020 the market dropped 30 percent. My sons
were the advisors and they said link. Yeah, that's why it's so important to have an advisor that
knows what they're doing. They link and one year later with this annual point to point with no cap.
March of 2021 was predictably going to be pretty good 61.33%. They were credited $287,000 on the 468
they ended up with 756,000. We had other people experience the same thing. Here's somebody who got
30.76 percent. Here's another person they got 28.8%. Here is another person that got 12 percent
on a portion and 28% on another. Why am I doing all this? Again, I've taken their names off of here to
protect their privacy. But when I have advisors out there say well, I've never seen one that has
done very well at all. I can show you hundreds if not thousands of statements where people have made
20, 30, 61percent and the gain is locked in. If the next year the market crashes
they don't lose a dime. That is called lock-in and reset. Here is where somebody received 12 percent
on a portion of their money, 30% on another. If you want to look at actual performance
the insurance companies that offer these will usually show you year by year month by month the
rates of return based on actual history. You can study and see here's 25 percent that was credited
on all of these statements all the way back from 2021 going back to 2008-2017 it's actually been a
heyday for many of our clients. In 2017, we had clients locking gains of 25%. People who had a
million made 250 grand. They had a 1,250,000 if the market crashed the next year they
did not lose the quarter of a million they made the year before. That's called lock-in and reset.
So, this is the key to be able to have one year point to point or maybe two year or five year.
Search this channel and learn about these various strategies that you could employ
and you can then retire by design. Let me show you how to claim your free copy
of the laser fund book. So here's how to claim your free copy go to laserfund.com.
Click on the link below. You contribute a nominal amount towards the shipping and handling and
I'll cover the rest of that. I'll fire out a hard copy to you this is 300 pages and it's actually
two books in one. As actually shown here on the screen this white cover site is about 200 pages
14 chapters with all the charts and graphs and explanations of how the laser fund allows you
to accumulate access and transfer your money tax-free and you'll understand indexing. If you
learn more by stories you flip the book over to the orange side about 100 pages 12 chapters
with 62 actual clients stories of how the laser fund is used for all kinds of financial goals.
So, if you like to listen and learn watch and learn there's options there. But I want you to claim your
free copy and then empower yourself subscribe to this channel. Click the bell be notified
when I post a new video almost on a daily basis. I don't want you to miss out.