Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility. This is not a surprise. I stated about a month ago that gold and silver had increased in value so quickly that it was unsustainable. I also stated it would be a good time to lock in some gains. When assets increase in value rapidly, they typically correct and have a period of volatility. The US economy is in a period of historical change. This creates uncertainty. Uncertainty leads to volatility. A correction is probable. Index products allow you to participate in potential upside gains while protecting your downside. This is the best time in 40+ years for index product returns. There are 100's of index's. Ferenc has access to proprietary software that shows the one, 5, and 10 year returns. Contact Ferenc at ferenc@yourpersonalbank.com to review the index performance report to choose the highest performing indexes. Earn unlimited upside potential with no downside risk!

Gold dropped 5% while Silver fell 10% in one day recently. The S&P 500 Index has stayed in a range between 6800 and 7000 since the beginning of the year. 2026 may become known as the year of volatility. This is not a surprise. I stated about a month ago that gold and silver had increased in value so quickly that it was unsustainable. I also stated it would be a good time to lock in some gains. When assets increase in value rapidly, they typically correct and have a period of volatility. The US economy is in a period of historical change. This creates uncertainty. Uncertainty leads to volatility. A correction is probable. Index products allow you to participate in potential upside gains while protecting your downside. This is the best time in 40+ years for index product returns. There are 100's of index's. Ferenc has access to proprietary software that shows the one, 5, and 10 year returns. Contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> to review the index performance report to choose the highest performing indexes. Earn unlimited upside potential with no downside risk!

If you want to live like the wealthy, you need to think like the wealthy.  Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry.  Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime.  It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.

<p>If you want to live like the wealthy, you need to think like the wealthy.  Join Ferenc Toth each week for the Your Personal Bank™ Show, Saturdays at 10:00AM. Your Personal Bank™ is a powerful financial tool typically only shared with the ultra-wealthy by the financial industry.  Learn how to gain control of your money . . . create tax-favored income . . . and access more funds over your lifetime.  It’s the Your Personal Bank™ Show . . . the show that can change your financial life. Call 866-268-4422 for more information.</p>

Your Personal Bank with Ferenc Toth

Precious Metals Continue Massive Volatility

Ferenc Compares Index Annuities with the new Hybrid Annuities1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity. Hybrid AnnuityIndex Annuity      Growth:                       Limited: capped at 11-17% annually         Unlimited: no cap         Downside Protection:  Partial: 10-20%                                         Full: principle guaranteed      Annual Fees:               2.5%                                                         None3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.

<div> <div> <div> <div> <div><span style="font-family: arial, sans-serif;">Ferenc Compares Index Annuities with the new Hybrid Annuities</span></div> </div> </div> </div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">2. Ferenc shares a new client case that compared an </span>Index Annuity with a Hybrid Annuity. </div> <div>                                          <u>Hybrid Annuity</u>                                          <u>Index Annuity</u>    </div> <div>      Growth:                       Limited: capped at 11-17% annually         Unlimited: no cap   </div> <div>      Downside Protection:  Partial: 10-20%                                         Full: principle guaranteed</div> <div>      Annual Fees:               2.5%                                                         None</div> <div> </div> <div>3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.</div> <div> </div> </div> <div>4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.</div>

Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.

Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index product with poor returns, you are invested in the wrong indexes.2. Unlimited upside with no downside risk is "too good to be true". Ferenc explains insurance companies invest the interest, not the principle. This provides indexes with 10-12% 10-year average annual returns while guaranteeing the principle. 3. Limited access to funds. Index Universal Life provides significant access to funds, tax-free growth, and access. Traditional qualified accounts (IRA/401k's) withdrawals are taxed. Large withdrawals typically create large tax liabilities. Index annuities early surrender penalties are typically far less than the tax liability. Index annuities are an excellent fit for traditional qualified accounts.4. Market Value Adjustments are reducing early surrender charges significantly. Most of my clients surrender charges recently have been eliminated in a year or two. This provides full liquidity quickly.

<div> <div> <div> <div> <div><span style="font-family: arial, sans-serif;">Ferenc Dispels Several Myths and Misconceptions with Index Annuities and Index Universal Life Policies including:</span></div> </div> </div> </div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">1. If you want guarantees, you don't have to sacrifice strong returns. If you own an index product with poor returns, you are invested in the wrong indexes.</span></div> <div><span style="font-family: arial, sans-serif;">2. Unlimited upside with no downside risk is "too good to be true". Ferenc explains insurance companies invest the interest, not the principle. This provides indexes with 10-12% 10-year average annual returns while guaranteeing the principle. </span></div> <div><span style="font-family: arial, sans-serif;">3. Limited access to funds. Index Universal Life provides significant access to funds, tax-free growth, and access. Traditional qualified accounts (IRA/401k's) withdrawals are taxed. Large withdrawals typically create large tax liabilities. Index annuities early surrender penalties are typically far less than the tax liability. Index annuities are an excellent fit for traditional qualified accounts.</span></div> </div> <div>4. Market Value Adjustments are reducing early surrender charges significantly. Most of my clients surrender charges recently have been eliminated in a year or two. This provides full liquidity quickly.</div>

Ferenc Dispels the Most Common Myths and Misconceptions with Index Annuities and Index Universal Life Policies

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.      1. An annual review with a client who received 20% return with their index annuity this past year.     2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..     3. Planning meeting that potentially doubled income for retirement.US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession. Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.Realtor.com states one of the following needs to occur for homebuyer demand to return:   1. Mortgage rates fall to 2.65%.   2. Household incomes rise 56% to a median of $132,171.   3. Median home prices drop 35% to a median of $273,000.

<div><span style="font-family: arial, sans-serif;">Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights. </span></div> <div><span style="font-family: arial, sans-serif;">     1. An annual review with a client who received 20% return with their index annuity this past year.</span></div> <div><span style="font-family: arial, sans-serif;">     2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..</span></div> <div><span style="font-family: arial, sans-serif;">     3. Planning meeting that potentially doubled income for retirement.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession. </span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div>Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.</div> <div> </div> <div><span style="font-family: arial, sans-serif;">Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">Realtor.com states one of the following needs to occur for homebuyer demand to return:</span></div> <div><span style="font-family: arial, sans-serif;"> </span></div> <div><span style="font-family: arial, sans-serif;">   1. Mortgage rates fall to 2.65%.</span></div> <div><span style="font-family: arial, sans-serif;">   2. Household incomes rise 56% to a median of $132,171.</span></div> <div>   3. Median home prices drop 35% to a median of $273,000.</div>

Precious Metals Continue Massive Volatility

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