16 Characteristics of the Perfect Investment

If we could design the perfect investment, what would it look like? I would love to hear your thoughts. If you send me a message or email with your thoughts I would be happy to send you a copy of “The And Asset” by Caleb Gulliums for your to read!

I believe the following points would be at the top of everyone’s list.

1. Safe: Your money is guaranteed to suffer NO losses.

2. Liquid: Your money is accessible either for emergencies or for opportunities.

3. Growth: Your money multiplies.

4. Leverage: You can use your money as collateral.

5. Inflation Protection: Your money grows at a rate greater than the long-term rate of inflation.

6. Guarantees: There are contractual assurances in place.

7. Free of Fees: You do not have to pay anything to anyone for the use of the vehicle.

8. Free of Regulation: Your money is not restricted in any way.

9. Flexible: You can fund the account in whatever way works best for you.

10. Requires Minimal Time: The vehicle works on autopilot.

11. Passive Cash Flow: Your money produces income on its own.

12. Private: Your money grows without restrictions and has creditor protections.

13. Protection: It provides for you in the event of tragedy.

14. Tax-Deductible: You can subtract any money you put into the account from your taxable income.

15. Tax-Free Growth: Your money grows without being taxed.

16. Tax-Free Distribution: You can access your money without paying taxes on it.

Credit to “The And Asset” by Caleb Gulliums

Unfortunately, NO investment has ALL 16 characteristics. Fortunately, there is asset that does have has 15 of the 16! This asset is a properly structured whole life insurance policy. I say properly structured because not everyone know how to put together one the right way to take advantage of opportunities.

The only characteristic it doesn’t have is #14 – the money we input is not a tax deduction on the front end. I can argue that is a good thing! However, the growth can be accessed tax-free and the death benefit is paid tax-free. 15 of 16 qualities is pretty darn good!

I’d be happy to show you what creating your own policies would look like and how it works for your benefit. If you have an insurance policy and would like a performance review, I’m happy to help by giving it a second look  . In some cases, we find a policy was written more for an agent’s benefit than the client’s benefit, and we are often able to convert it into something that operates much more efficiently.