Mega IRA

Many of the legendary investors on Wall Street are saying a stock market crash is imminent. Are you ready for it

Jack Bogie, founder and chairman of mutual fund giant Vanguard Group, says that you should “prepare for at least two declines of 25-30%, maybe even 50% in the coming decade“

Jim Rogers, who founded the Quantum Fund with George Soros, went apocalyptic when he said, “A $68 trillion ‘Biblical’ collapse is poised to wipe out millions of Americans.“

Mark Faber, Dr. Doom himself, recently told CNBC that “investors are on the Titanic“ and stocks are about to “endure a gut-wrenching drop that would rival the greatest crashes in stock market history.“

And the prophetic economist Andrew Smithers warns, “U.S. stocks are now about 80% overvalued.“

Smithers backs up his prediction using a ratio that proves that the only time in history stocks were this risky was 1929 and 1999. And we all know what happened next. Stocks fell by 89% and 50%, respectively.

Even the Royal Bank of Scotland says the markets are flashing stress alerts akin to the 2008 crisis. It told its clients to “Sell Everything“ because “in a crowded hall, the exit doors are small.“

What if they’re right?

How will you explain to your spouse that you lost your retirement savings, the money you’ve worked so hard for your entire like?

How will you explain that the retirement you’ve dreamed of is now out of

Or even worse… how are you going to explain to your children that you don’t have enough funds to support yourself in retirement?

I hope you won’t let that happen. What if you could…

  • Get exposure to stock market growth without having to worry about those nasty losses of 20% or more that tend to happen every five years or so.
  • Enjoy perpetual piece of mind knowing that you’ll never lose money as a result of market crashes.
  • Invest as much as you want. “Crash Proof lRAs“ aren’t actually 401(k)s or lRAs, so they have no government-imposed contribution limits.

Crash Proof lRAs are not a loophole that could be subject to governmental budget cuts or negotiations.

“[Crash Proof lRAs] offer several distinct advantages over bonds, including protection from market declines, elimination of bond default risk, participation in positive performance of stock market indexes, tax deferral, sustainable lifetime income, and elimination of investment management fees.“

Imagine you’ve just decided to retire after turning 65. You’ve saved $1 million, which seems like enough to support you throughout your retirement.

Suddenly, the financial markets go into a tailspin, much like the  2008 crash. Your retirement account loses 40% of its value in a matter of months.

Now you’re down to $600,000. And you begin withdrawing $60,000 a year to cover your living expenses.

You might think, “Oh, well, I still have $600,000, and my account could grow in the coming years.“But, here’s the reality…

Even if we assume a generous growth rate of 8% a year, your portfolio won’t last too long.

You will run out of money by the time you are 82 years

You’ve taken good care of your body…and because of recent medical breakthroughs, you now expect to live at least 10 more years.

Now you’re 82 years old and you’re dead broke.

The truth is this so-called longevity risk, the risk that you might outlive your money, is a real threat today.

Naturally, you have the greatest amount of money at stake in the years right before and right after your retirement, when you’re transitioning from accumulation to distribution.

That’s the worst possible time to experience a negative return, because it can have a devastating impact on your retirement plans.

If you invest in the stock market over long periods of time, you will experience market drops of 20% or more.

It’s inevitable. It’s part of financial life.

But this could become a HUGE problem if those losses happen when you’re close to retirement.

That’s because the withdrawals will reduce the size of your account, making it really hard to catch up.

If the market drops 50%, your account will have to go up 100% just to go back to breakeven.

And if you’re withdrawing money to cover expenses, then the market will have to go even higher, just to catch up.

What if there was a better way?

Here is an actual Crash Proof I RA that outperformed the S&P 500 Index.

In this particular case, the account holder turned $100,000 into $171,388 from 1998-2011. To put that into perspective, had this accountholder invested in the stock market instead, he would have only $107,857 at the end of that period.

The Crash Proof I RA investor ended up with $63,531 more. How is this possible?

Well, as you can see in the chart, the Crash Proof IRA account never went down when the market crashed, but it went up with the market during the boom periods.

Upside without the downside.

That’s the power of Crash Proof I RAs. Sure beats a CD or a bond, doesn’t it?
The TV show “60 Minutes“ ran a story called “The 401 (k) Fallout.“

It reported on how the stock market collapse had crushed the retirement dreams of millions of Americans.

Alan Weir, a 60-year-old man who was interviewed in the segment, said he didn’t even have the courage to look at his retirement statement. At that point, he had lost more than $140,000.

If you were invested in stocks during the 2008 crash, I’m sure you experienced something similar. The stock crash deeply scarred investors. Many decided to move out of the stock market and into low-yielding bonds and CDs.

The problem is the average savings account in the U.S. is paying 0.09%.

The average 5-year CD is paying 0.91%. And if you invest in a 10-year Treasury bond, you’ll get less than 2%.

The bottom line is all these traditional safe investments don’t even cover the cost of inflation.

They protect you from market losses, but won’t be able to grow your money or get much income from them.

You might as well put your money under the mattress.

For that reason, they’re not safe at all.

That’s why we believe Crash Proof lRAs could be a much better option.

A recent study by the Wharton School of the University of Pennsylvania shows that Crash Proof IRA returns are much more consistent than S&P 500 index returns.

The study examined five-year annualized returns from 1997-2010, calculating industry average returns based on actual returns credited to accounts.

As you can see in the table below, the average Crash Proof IRA return exceeded 3.5% in all nine of the five-year periods examined.

In contrast, only three of the annualized S&P 500 returns exceeded 3.5%, while in five of the periods, the S&P 500 index had a negative return.

Study from Wharton School Finds that Crash Proof IRA Returns are Attractive and Consistent:

Source: Wharton Financial Institutions Center

Crash Proof lRAs managed to beat the S&P alone over 67O@ of the time, and a 50/50 mix of one-year Treasury bills and the S&P 500, 79% of the time.

Bottom line: If you had invested your money in a Crash Proof IRA 15 years ago, you would have substantially more money in your account today than if you had invested in the S&P 500.
No wonder the popularity of these accounts has climbed steadily since their introduction in the mid-1990s. Investors have consistently invested more than $25 billion annually over the last few years.

These special accounts are provided by some of the most highly regulated companies in America, insurance companies. They are subject to strict capital reserve requirements to help ensure that they will have the money to pay their contractual payouts.

For example, the companies that offer Crash Proof lRAs must, by law, have $1 in reserves for every $1 promised to owners of contracts. For that reason, many of these companies have more than $1 in reserve for every
$1 promised to account holders.

These accounts are backed by the reserves, capital and surpluses of the companies that provide them.

Aside from being strictly regulated by the state in which they operate, these companies are also rated by major rating agencies, such as Moody’s Investors Service, Standard & Poor’s Financial Services and Fitch Ratings.

Dalbar, a Wall Street research firm, reports that the average investor earned just 3.17% from equity funds from 1990 through 2009. In comparison, the S&P 500 averaged 8.2%. Investors failed to capture all the gains largely because they failed to buy and hold.

What if you didn’t have to worry about getting in and out of the market anymore because the downside couldn’t hurt you?

Allianz Life Insurance Co. of North American recently conducted a survey. Retirees were asked to choose between two investment vehicles: one that delivered a 4% return on their money with a guarantee against losing value or one that delivered an 8% return but subjected their money to market risk.

An overwhelming 80% of the 3,200 people surveyed expressed a preference for the guaranteed 4%.

What about you?

Are you ready to put the power of a Crash Proof IRA to work for you?

Are you ready to

  • Get exposure to stock market growth without having to worrying about those nasty losses of 20% or more then tend to happen every five years or so.
  • Enjoy perpetual piece of mind knowing that you’ll never lose money as a result of market crashes. In some cases you can even lock in a guaranteed minimum returmn typically 6-8%
  • Invent as much as you want “Crash Proof IRAs” aren’t actually 401(k)s IRS so they have no government imposed contribution limits

Go here to get a list of local crash Proof IRA experts who can help keep your money safe.