UNDERSTANDING INDEXING
It’s no secret our favorite financial vehicle is a properly structured, maximum-funded Indexed Universal Life policy (or what we call an IUL LASER Fund).
And What It Can Do for Your Future
In our book “The LASER Fund,” we explain one of the unique advantages of IUL LASER Funds — indexing. Here’s a peek behind the scenes to see what indexing can do for you. PROTECTION FROM MARKET VOLATILITY When we talk about indexes, we’re talking about things like the S&P 500, the Dow Jones, the Russell 2000. With properly structured IUL policies, you can choose index strategies that LINK TO market indexes, without actually putting your money at risk IN the market. Let’s look at a real-life illustration to explain. Between 2000 and 2010 (which proved to be the worst decade for the market since the Great Depression), the market experienced five down years and five up years, and in that time, the average return was 7.23%. During the down years, folks with money safely tucked inside IUL LASER Funds didn’t lose a dime to market volatility. During those five up years, for example, Doug earned significantly and only capped out twice. By using three different index strategies over that decade, he did better than most — he averaged 9.62%. Indexing allows the money in your policy to gain interest when the stock market goes up, and to be completely protected from losses due to market volatility when the market goes down (with a 0% guaranteed floor).
volatility index accounts. You can also choose among strategies like the one-year point-to-point, two-year point-to-point, and five-year point-to-last-year-average.
You have the flexibility to make choices that work for you, such as whether to leave your selected index strategies as your default, or to change it up to accommodate shifts in the market like Doug did. Your IUL specialist can help you optimize your IUL LASER Fund strategies. Indexing is just one of the key advantages of the IUL LASER Fund. We invite you to explore how this unique financial vehicle can provide unparalleled liquidity, safety, predictable rates of return, and tax advantages — and how it can make a significant difference in your financial portfolio.
Find out how indexing can strengthen your financial future. Order your free copy of the bestselling book “The LASER Fund” today.
FLEXIBILITY & CHOICE
Depending on your insurance company, you can choose from among several different index strategies, including S&P 500 and low
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