Inflation has increased for the third consecutive month. Historically, inflation happens in waves. The recent Federal Reserve meeting was the first one with the new Chairman, Kevin Warsh. Following are the highlights:   1. Half of the Fed Governors projected a rate increase in 2026   2. None of the Fed Governors project a rate decrease.   3. The Fed has dropped forward guidance.The stock market has priced in rate cuts. This could affect valuations negatively.Less Fed info means more uncertainty. Increased uncertainty increases volatility.Index products allow unlimited upside potential growth with no downside market risk.- No caps = unlimited upside- No and low fee options- 100%+ one year participation rates- Up to 29% signing bonus if you have a penalty to overcomeThere are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.

<div>Inflation has increased for the third consecutive month. Historically, inflation happens in waves. </div> <div> </div> <div>The recent Federal Reserve meeting was the first one with the new Chairman, Kevin Warsh. Following are the highlights:</div> <div>   1. Half of the Fed Governors projected a rate increase in 2026</div> <div>   2. None of the Fed Governors project a rate decrease.</div> <div>   3. The Fed has dropped forward guidance.</div> <div> </div> <div>The stock market has priced in rate cuts. This could affect valuations negatively.</div> <div> </div> <div>Less Fed info means more uncertainty. Increased uncertainty increases volatility.</div> <div> </div> <div> <div>Index products allow unlimited upside potential growth with no downside market risk.</div> <div>- No caps = unlimited upside</div> <div>- No and low fee options</div> <div>- 100%+ one year participation rates</div> <div>- Up to 29% signing bonus if you have a penalty to overcome</div> <div> </div> </div> <div>There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.</div>

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

The Federal Reserve Puts Markets on Notice of Possible Rate Hikes. How to Increase Index (Growth) Annuity Returns 2-3X.

The US Equity Market Valuation has hit the highest level ever recorded!

This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator. 

The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened previously, US stock performance suffered underperformance for years.

Warren Buffet quotes:

- 1999: "Euphoria is the enemy." Dot-com crash followed. NASDAQ dropped over 70%.

- 2026: "Worse than 1999." Same warning, different year. What happens next?

Ferenc also shares a very special and personal 250th Independence Day message!

<p>The US Equity Market Valuation has hit the highest level ever recorded!</p> <p>This combined metric includes P/E, Forward P/E, Shiller P/E, EV/EBITDA, Price-to-Book, Price-to-Sales, Q Ratio, Return on Equity (RoE), and the Warren Buffett Indicator. </p> <p>The US Equity Market Valuation metric has hit the 80% percentile 5 times since 1900. Each time this happened previously, US stock performance suffered underperformance for years.</p> <p>Warren Buffet quotes:</p> <p>- 1999: "Euphoria is the enemy." Dot-com crash followed. NASDAQ dropped over 70%.</p> <p>- 2026: "Worse than 1999." Same warning, different year. What happens next?</p> <p>Ferenc also shares a very special and personal 250th Independence Day message!</p>

The US Stock Market has Never been this Expensive - Ferenc Shares Special 250th Independence Day Message!

IPO's over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years. 

 SpaceX IPO initial price was about 90x sales.

 The lower the price to sale ratio, the better the returns long-term.

 The top 10 largest IPO's price dropped an average of 35% in 6 months.

 IPO's tend to issue a the end of a bull market not when stocks are cheap.



 70% of Bank of America's bear market indicators have triggered. Bank of America officially stated it is time to take profits.

 Index products allow unlimited upside potential growth with no downside market risk. - No caps = unlimited upside - No and low fee options - 100%+ one year participation rates - Up to 29% signing bonus if you have a penalty to overcome

 There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.

<p>IPO's over the past 45 years that debut above 40x sales underperform the market by 58% over the next 3 years. </p> <p> SpaceX IPO initial price was about 90x sales.</p> <p> The lower the price to sale ratio, the better the returns long-term.</p> <p> The top 10 largest IPO's price dropped an average of 35% in 6 months.</p> <p> IPO's tend to issue a the end of a bull market not when stocks are cheap.</p> <p> </p> <p> 70% of Bank of America's bear market indicators have triggered. Bank of America officially stated it is time to take profits.</p> <p> Index products allow unlimited upside potential growth with no downside market risk. - No caps = unlimited upside - No and low fee options - 100%+ one year participation rates - Up to 29% signing bonus if you have a penalty to overcome</p> <p> There are multiple index products with 10, 12, and even 15% average annual returns over the past 10 -20 years.</p>

Large IPO Prices Historically Drop Significantly after their Debut

Apple went public in 1980 at 15X revenue.SpaceX is scheduled to go public on 6.12.26 at 100X revenue. The market cap is estimated to be $1.5 -2.0 trillion valuation. This would be higher than Microsoft. SpaceX would be the third largest company by market cap in the US, behind only Apple and Nvidia.SpaceX lost over $4 billion in Q1 2026. Total losses since founding have been over $40 billion.95% of all SpaceX shares are held by insiders.Typically, insiders are frozen from selling their shares for 180 days after listing to prevent the stock price from getting crushed.SpaceX insiders will be able to sell 20% of their shares in 60 days. Several more chunks of shares will be unlocked for insiders.By late November 2026, over 90% of insider shares would be unlocked for potential sale.The median stock price on most large IPO's, including Facebook, Coinbase, and Uber, have lost over 50% of their stock price after one year. Many were leading companies in their space and "must-own stocks". There may be a short-term speculative price increase due to the hype and interest around SpaceX. The valuation is extraordinarily expensive. Proceed with extreme caution.

<div> <div> <div> <div>Apple went public in 1980 at 15X revenue.</div> <div> </div> <div>SpaceX is scheduled to go public on 6.12.26 at 100X revenue. The market cap is estimated to be $1.5 -2.0 trillion valuation. This would be higher than Microsoft. SpaceX would be the third largest company by market cap in the US, behind only Apple and Nvidia.</div> <div> </div> <div>SpaceX lost over $4 billion in Q1 2026. Total losses since founding have been over $40 billion.</div> <div> </div> <div>95% of all SpaceX shares are held by insiders.</div> <div> </div> <div>Typically, insiders are frozen from selling their shares for 180 days after listing to prevent the stock price from getting crushed.</div> <div> </div> <div>SpaceX insiders will be able to sell 20% of their shares in 60 days. Several more chunks of shares will be unlocked for insiders.</div> <div> </div> <div>By late November 2026, over 90% of insider shares would be unlocked for potential sale.</div> <div> </div> <div>The median stock price on most large IPO's, including Facebook, Coinbase, and Uber, have lost over 50% of their stock price after one year. Many were leading companies in their space and "must-own stocks". </div> <div> </div> <div>There may be a short-term speculative price increase due to the hype and interest around SpaceX. The valuation is extraordinarily expensive. Proceed with extreme caution.</div> </div> </div> </div>

The Federal Reserve Puts Markets on Notice of Possible Rate Hikes. How to Increase Index (Growth) Annuity Returns 2-3X.

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