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Hi, this is Tazeen Khan.  Thank you for visiting my website today. I look forward to spending just a few minutes with you.  I'm giving you some powerful ideas that I hope will help you. I am not asking for your name address or your email address. I just want to give you some solid retirement information that you wont find anywhere.

You're no doubt familiar with what's become known as the "lost decade" for stocks. From Dec. 31, 1999, to Dec. 31, 2009, the Dow lost about 10%, a disappointing drop of 1% a year.

But in reality, things were much worse. To get a real return that reflects the decline in the dollar's purchasing power, We adjusted for inflation and assumed that people don't reinvest dividends (because they usually don't). The result: The Dow's average annual return over the past 10 years was actually a negative 3.4%

I've been in the business for 10 years, offering my clients safe, powerful money alternatives that prevent them from losing their money to stock markets, yet give them opportunities for growth and returns.  I've been offering indexed annuities since in 1999, I've had hundreds of interviews, and spent countless hours across the table from folks age 55 and older, discussing their dollars and what the best strategies are for them; what's suitable.

I want to give you some powerful ideas that I share with the majority of the folks that I visit with.

I describe the indexed annuity as follows:  you are familiar with having your dollars, potentially, in bonds.  In your diversified portfolio, you may have bonds in there right now. We've all heard of the term "fixed income".  It's a bond portfolio.  And that is designed to give you some measure of safety and protection, and an income.  Generally, that income or that growth rate is fairly conservative.

Why don't we do the same thing that you have been familiar with, that you have heard your whole life and take it just a step further?  Let’s take your principal and put it in that conservative, safe bond portfolio and we'll generate a conservative yield.

Step one is to find safety; we did that.  We're going to anchor that conservative bond portfolio in US treasuries, with portions of the dollars there.  Also in high-quality corporate bonds; nothing speculative or junk - the safest stuff we can get... and, so we don't make much of a return, let's say five percent. On your 100,000 dollars in principal sitting in these conservative bonds, that would be 5,000 in yield, or in interest.

The next thing we do, though, becomes quite unique.  If you were to do this on your own, you simply might have to be figuring out, "How do I grow, recover from my losses, or LIVE off of my 5 percent interest?"  (5,000 dollars in my example)

What I propose, now, is to take the 5,000 dollars and not give it to you, even though it's yours, but to send it to the market to spend, to take a position in an index of our choice.  By linking that yield to the market, we have the opportunity to make much greater than 5 percent.  The worst thing that could happen is we could lose the 5 percent, the 5,000 dollars.  If you lose the 5,000 dollars, you get a zero percent return and we try it again next year.  I know you're going to be comfortable with risking just the yield, because folks, right now, as best as I can see, you're risking everything: principal and yield, last year's gains, all of it's on the table.  That’s because you own everything in the market that you have here as opposed to simply controlling it.   You see, what I recommend is that we control the market with your yield as opposed to owning it with your principal.  

When you buy shares or stocks or mutual funds, you own those shares.  You get all of the good and all of the bad. What I'm proposing is that we take your principal and not put it in the market, but put it outside the market, in a safe, conservative bond portfolio, and then we take that yield and send that to the market.

By spending the yield, we can actually can control a position in the market equal to the size of your principal that is safely outside the market. In my example, 100,000 dollars sits outside the market, so the position I'm going to take in an index, let's say the S&P 500, is 100,000 dollars in that position.  How is it possible that I can control 100,000 dollar piece of the market for just 5,000 dollars?  The answer is I do it just for 12 months.  When I control it for a short period of time, I get tremendous leverage. When you own a share, you own it indefinitely; you sell it whenever you chose.  My strategy expires in 12 months.  And then we try again the following year.  If we didn't make any money in year one, that's OK; we have an opportunity to try again in year 2.  But we're never jeopardizing principal.   You see, when you learn that you can participate in the market without risking principal, you won't want to put the principal there any longer.  The reason you're putting principal there now, is you didn't know you had an alternative or a choice.

We protect the goose that lays the golden eggs; your goose is your principal.  You keep that outside the market, safely intact, so we get eggs every year; we get new yield.  That will never end as long as we protect the engine that is driving the opportunity for the future. Your principal is protected.  So we send the eggs, or the yield, there.  And if we have the market go down on us, we simply lose the yield for that single year.... and we try it again the following year.  

Let me give you an analogy:  You've got 100,000 dollars in a CD down at the bank and it earns 5% interest.  You like the safety of the bank and the simplicity of the concept of the CD; you understand that just fine.  But, what you would like is a little better return than 5% interest.  So you get an idea.  You go down to the bank and you withdraw the 5,000 dollars, you hop on a plane and you fly to Las Vegas.  You gamble the 5,000 and wouldn't you know it, you're successful.  You come home with 10,000 in your pocket, you redeposit the 10,000 down at the bank, and the new statement now reveals a balance of 110,000.  In other words, a 10% return instead of 5.  

You say, "There, that's much better, that feels more like it."

Now can I ask you a question? While you were in Las Vegas, how much of the 100,000 was at risk?  For my prospects who don't listen closely, they say, "all of it."  I'll say, no.  What was at risk?"  And they think for a moment and say, "I guess just the 5,000."  

And I'll say, "Why wasn't the 100,000 at risk?"  And they'll say, "Well, I didn't take it with me."  That's right.  It's left behind in a safe, conservative CD.  You only took the yield, you're only risking yield.  

And when you make 10,000 dollars and come home with that, it's the same as if you had made 10% on your principal. That's what you've got.  Now you have an account of 110,000. 

Can I ask you another question?  Would you feel comfortable taking the 100,000 to Las Vegas instead of the 5?  What do you suppose they all tell me?  They all say, "No, there's no way I would do that."  But, you see, folks, you have actually given your current advisor permission to take the 100,000 not to Vegas, but to Wall Street instead of the 5.  All of it is at risk.

And I don't fault you for doing that.  The reason you did it, is you didn't know you had a choice.  You didn't know that you could have sent just the 5,000 to Wall Street instead of the 100, and control the market's movement with the 5,000 having only at risk your yield, your renewable resource…. sending only the eggs from the goose to the market.

And, when I show you how this works, I believe, as others who've seen this have also come to the conclusion, you won't want to have your principal in the market any longer.  It simply isn't necessary to risk it.  

You know, you and I have been taught our whole life, to make a good return; you've got to take risk.  That may have been true in the past; it is not true today.  Through innovation and competition, these tremendously powerful fixed index annuities are a great way to put your money and have it have a great opportunity.  You just heard me say the word, "annuity".  That's the first time that I have said it here.  I do not hide it. I am proud of it, that it’s a fixed index annuity.  However, people have conceptions; they have ideas about what an annuity means. And if I can get them to understand how it works before I tell them, that it's an indexed annuity.  If the meeting closed like that, terrific!  If they need to know what it is up front, I'll tell them, it's a fixed index annuity.  And then I describe the idea of the conservative bond portfolio with their yield placed in the market. 

The other thing that I want to talk about is the idea of safety and opportunity on the same dollar at the same time.  You see, all of America, I believe, knows where to find opportunity -- that's the Stock market... the real estate market.  All of America knows where to find safety.  Bank CDs and government bonds might be two locations.  But what they don't know is how to have safety and opportunity on the same dollar at the same time.

If I show you how to do that today in our presentation, in our visit here, would that be worth your while?  If you learn nothing else today but to know how to have safety and opportunity on the same dollar at the same time, will that be worth it.  What do you suppose they tell me?

Everybody says, "Oh, For sure, that would be of great interest to us.” I’m going to show you exactly how to do that right now."  And I go ahead and I talk to them about the idea of controlling the market with yield vs. owning it with principal and your money is always safe because it's always at the bottom portfolio and it always has opportunity because we can participate in the market with the yield every year.

This story helps to define this better.  In 1912, the Titanic set sail without enough life boats on board.  It was common knowledge that it didn't have enough life boats, but it didn't really seem to bother anyone.  Why not?  Well, the general consensus was that ship was UN-sinkable.  Well, in hindsight, it would have been a good idea to have enough life boats.

Consider this thought, what if White Star Lines had built two Titanic’s? Titanic One is sitting in harbor and right next to it, Titanic Two.  Both ships are considered unsinkable.  Both ships are going to steam at the same speed to New York City. The comfort level on both ships is identical and the fare is the same for both ships. The only distinction is that Titanic Two has plenty of life boats on board and Titanic One does not have enough.  Now remember, they're both considered unsinkable.  What ship are you going to take? 

Everybody will says, "Well I'm going to take Titanic number Two." Yes, it's an easy decision isn't it?  You see when you don't have to pay a price for the added safety, why not have the added safety?  When you can take the ship with plenty of life boats and the fare is the same, the destination is the same, hey, that's for me. 

But, what if the fare for Titanic Two cost twice as much? You'd have to think about it, wouldn't you? You say, "Well do I really believe that Titanic 1 is unsinkable? Because, if you really believe it, maybe you will save the money." 

Make life easy for you.  Take a journey, financially, with Titanic #2, and you're not going to have to pay a price for the added safety. You see, the price that you, typically, are used to paying is, if you go to a bank CD, what's the price you pay for that safety?  Lack of return.  You go to a money market, what's the price you pay for the safety there?  Lack of return. You won't have an opportunity to recover from your losses. You go by the safest investment in America, the United States Treasury bonds and, in the Ten-year term, you make, maybe, a little less than three and in the 30-year term, you make a little less than four. What is the price you pay there? You can't recover from your losses, you can't fight inflation.  You pay a price for safety in those examples.

If I can give you that kind of safety, the things that you would expect in safety from a money market, from a bank CD, from a Government bond, and yet I give you the opportunity and the horsepower of the marketplace, safety and opportunity on the same dollar at the same time, would that interest you? Sure it would.

And again, let me show you exactly how we do that.  I've created an interest level, here, that's tremendous.

And then let me just cover one other feature and then a couple objections. One of the strategies that I offer is an 8% guaranteed growth rate and an income rider for 20 years. And people say, "How can anybody offer you, in the middle of a recession, 8% growth for 20 years?" Well that’s easy."  There're two things: First, the time value of money. When someone has a while to work with your money, in this example, that's up to twenty years, they can offer you a better rate of return. 

Secondly, when they limit the amount that you can take out annually, they are able to do more for you.  This account will not let you take more than 10% annually.  When we know that we can invest 90% into longer term bonds, with maturity yields further down the road, resulting in better yields, we can give you more.

You know the principle... a one-year CD pays less than 5.  A ten-year government bond pays less, typically, than a 30-year… the same thing, here.  When we can invest for the longer term, we can typically get a better return for you. When we know that you don't need more than 10% per year, we can invest the other 90% for the long run. 

The other thing is, when we restrict your withdrawals, to not more than 10% per year, we know that it's going to take a while to take all the money out of the account.  If you took 10% per year out of your account, it would take 10 years.  If you took 5% out per year, it takes 20 years just to get back to your original principal before we're going to have to access the growth that we're promising.  So, there's plenty of opportunity here.  There is no risk for the company to offer an 8% guarantee for 20 years. 

There're also 3 levels of protection that are very valuable here. You may say that you can't put your money in an insurance company, after what happened to one of the largest company.  There's just no way.” One of the largest Insurance Company is one of the BEST that I can use as an illustration of the tremendous safety you have in these strategies and these products."

You see, America's largest insurance company, failed.  And when it did, not a single individual lost a single dime or any dollars in any of their contracts, whether it is annuities, or life insurance or any of the other products that they offered. 

How is that possible?  Well, the system did its job. The Legal Reserve protected them.  The state guaranteed funds were not even needed to be called upon and the dollar values of those accounts were there and well-funded and no one lost any money.

So, when the largest company in America fails, and nobody loses any money, that tells me that we've got a track record and a contract, a strategy that has weathered the storm, tried true and proven.  That's where I want my dollars. 

In addition to that, there are 3 levels of safety.  You see, if you buy your conservative bond portfolio down at the world's largest bond fund manager, let's say XYZ company or anywhere else, you have only the strength of those bonds. If any of those bonds default on you, XYZ Company or any of the other companies, do not say, "Sorry, we'll make up the losses."   You would have some losses.  However, if you buy that conservative bond portfolio inside the fixed-index annuity, which has a track record of never having lost anyone any money ever, not one time, and if the conservative bond portfolio were to default on the insurance company, Lets say XYZ insurance co, whoever, then, that's on their paper; they have to back it.

You see, now you have the second layer of protection, the claims paying ability of the insurance company. 

And the third layer of protection is that the 45 basis points that this 8% guarantee for up to 20 years, is spent to re-insure the risk with another insurance company, so if you outlive life-expectancy tables, they'll continue to pay you the income for life… even if the account goes to zero. 

3 layers of protection in a tried and true and proven industry where never has anyone ever lost a penny of principal or gains.  In a fixed index annuity… even despite the failure of one of the largest insurance company in the middle of a recession.

This isn't perfect, but I don't know how to make it any stronger than to go to a United States Government Bond.  That is the safest place.  You can solve one problem, that would be risk, but you create several new ones.  The new ones you create, that are problems, are you can't recover from your losses and you can't fight inflation. The second best place to put your money, where you can solve all of your issues and meet all of your needs, is to have the 3 layers of protection that the fixed index annuity offers. 

Yes you don't get all of the "up" in an indexed annuity, so I don't know if I want to go there."  That's true."  We're only going to give you half the "up" or 3/4 of the "up", depending on the circumstances.  Occasionally, we can do better than that, but, you know I would love to give you all the "up", but the reality is; this is not a perfect strategy.  You know, I don't believe it has to be, because I can't find perfection.  And, folks, you don't have it, either. 

You see, in your diversified portfolio, your "losers" are offsetting the performance of your “winners”  and you're getting something less than all of the "up".  Warren Buffet says, "Diversification reduces our returns."  It does, we don't have the opportunity to capture all of the "up", because of the giving back from all the losses of all the ones that performed more poorly. So, we're not getting all of the "up", no matter where we put our dollars. 

Well, you may say, that's fine.  I agree with that, but I can't put my money in an annuity, it will tie my money up.  I say, Folks, first of all that's not true and just a moment, I'll prove it.  But before I do, let's assume that you are correct in your money is tied up.  So we can't go to a fixed index annuity.  I would also assume you couldn't do a CD, because it ties your money up, right?  Or a government bond that ties it up for ten to thirty years, you don't know what you're going to get when you sell.  OK. You can't use that, either?

Where can you put your money?  Let me ask you a question.  Where can you put your money where it's not tied up?  Let's see, that would be the savings account, maybe a money market, the checking account, possibly your mattress.  But let me ask you a question.  Where is your money?  “Oh, well we're in the Stock Market.” Well, folks, you're violating your own principle.  “Well, no, we can sell any day we want.” Yes, you can sell what?  You see, at the bottom of 2002 and again at the bottom of the market in 2009, you had about half the value that you had at the height of the market.  The height of the recent market was October 9, 2007. Maybe you had 100,000 then, you have 50,000 now.   You call your broker up and say, "Send me my money."  So he sends you the 50,000.  And you are grateful, you say, "Thank you for the 50,000, so how long before I get the other 50,000?"  He says, "Whoa... you want the other 50,000?  Well, actually, if you ever hope to get that, you're going to have to send me back the first 50,000 if you want the second 50,000.” “In other words, what you're telling me is that I have no liquidity?” Well, not if you hope to get it all back; or you might have very little liquidity. 

The Market is not a liquid place. Warren buffet, in January, 2000 Reader's Digest, made this statement (and I quote):  “If you can't own a stock for 10 years, you shouldn't own it for 10 minutes.” Do you know what Warren Buffet told America in the year 2000, January of that year? He said the stock market has at least 10 years surrender charges... or longer. We can't always be assured that we can get our money back at a moment’s notice from the Marketplace.  That's an unknown thing.  At least surrender charges are a known charge and a voluntary charge.  You see, if you were to take out as much as 50% in a day to create tremendous liquidity, inside one of my favorite portfolios, there is a charge of 8% to access those dollars. The bonus of 10% will offset the charge of 8%, so you can take half your money in a single day without you paying any money, but you may say that, you don't really want to pay an 8% charge. Well, fair enough, you can pay it out of the bonus."

Let me ask you a question: have you ever experienced a loss of 8% or greater in your current portfolio?  Well, yes, everybody has. Fair enough.  Well not everybody has.  Our clients haven't. I haven't. But most have, I understand.

The second question:  Was that 8% loss or greater voluntary or involuntary?  Well, no, it was involuntary; the Market just took it from me.  I didn't want it to happen. 

I understand, but, you see liquidity charges inside my fixed index annuity, they are totally voluntary. They don't happen unless you make them happen yourself.  And if we have done a suitable job and put only nest egg dollars here, it should never happen that you would have to exceed the penalty-free withdrawals of 10% annually.  Or you can take up to 50% a day and use the bonus to offset those charges there.  And you've also got the powerful income features of 8% growth for up to 20 years.  That has the effect of doubling your money in nine years.  Except with a 10% bonus, you can actually double it in 8.

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Tazeen Khan, CPA

tazeen@netinsurancequote.com
1-800-266-0702