Election Integrity is the greatest challenge of our generation. China stole 220 million American voter files then created large numbers of fraudulent driver's licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people. The Department of Homeland Security reviewed public data files of 4 states and found 278,000 non-citizens registered to vote. It is likely millions of non-citizens are registered to vote nationwide. Michigan police raided a large-scale voter registration fraud operation involving 44 people in 6 counties. One person alone submitted over 8000 votes with the same signature. They seized weapons, computer files, and significant evidence of voter fraud. The police investigation also found the Biden campaign paid the operation $11 million. The Biden FBI took over the investigation then did nothing. No one was charged. The actual damage was not that Donald Trump lost the 2020 election. The real damage is the ballot is more than a counting exercise. It is how "We the People" exercise authority over those we chose to represent us. Election fraud diminishes the legitimate voter's voice. Continued unabated, we will eventually lose our power and the freedoms we enjoy. Ferenc shares the 3 primary reasons index annuities suffer from poor returns. 1. Low interest rate environment from annuities purchased before 2023. 2. Investing in indexes with poor index performance. 3. Caps limiting index performance. You can increase potential index annuity returns 2-3X: 1. Transfer/rollover to new index annuity product to increase returns. 2. Choose indexes with strong return history (9-15% average annual returns past 10-20 years). 3. Eliminate caps (unlimited upside). Contact Ferenc at ferenc@yourpersonalbank.com or 866-268-4422 for more info.

Election Integrity is the greatest challenge of our generation. China stole 220 million American voter files then created large numbers of fraudulent driver's licenses to allow non-citizens to vote. US intelligence agencies knew about this yet did nothing and hid the info from the President and the American people. The Department of Homeland Security reviewed public data files of 4 states and found 278,000 non-citizens registered to vote. It is likely millions of non-citizens are registered to vote nationwide. Michigan police raided a large-scale voter registration fraud operation involving 44 people in 6 counties. One person alone submitted over 8000 votes with the same signature. They seized weapons, computer files, and significant evidence of voter fraud. The police investigation also found the Biden campaign paid the operation $11 million. The Biden FBI took over the investigation then did nothing. No one was charged. The actual damage was not that Donald Trump lost the 2020 election. The real damage is the ballot is more than a counting exercise. It is how "We the People" exercise authority over those we chose to represent us. Election fraud diminishes the legitimate voter's voice. Continued unabated, we will eventually lose our power and the freedoms we enjoy. Ferenc shares the 3 primary reasons index annuities suffer from poor returns. 1. Low interest rate environment from annuities purchased before 2023. 2. Investing in indexes with poor index performance. 3. Caps limiting index performance. You can increase potential index annuity returns 2-3X: 1. Transfer/rollover to new index annuity product to increase returns. 2. Choose indexes with strong return history (9-15% average annual returns past 10-20 years). 3. Eliminate caps (unlimited upside). Contact Ferenc at <a href="mailto:ferenc@yourpersonalbank.com" target="_blank" rel="noopener">ferenc@yourpersonalbank.com</a> or 866-268-4422 for more info.

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 Greatest Challenge of Our Generation - The 3 Primary Reasons for Poor Index Annuity Returns

The S&P 500 recently hit a new all time high. The index has doubled since 2023.The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.Both cannot continue rising long-term. My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. The driver of increased bond yields is not changing. This creates significant risk and opportunity.This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.

<div><span style="font-family: Arial, sans-serif;">The S&P 500 recently hit a new all time high. The index has doubled since 2023.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The 30-year treasury recently exceeded 5%, the highest level since 2007. The bond yield has been increasing since 2020.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">The stock market has been led by a few tech companies. Stock prices are driven by sentiment. Sentiment can change quickly.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Bond yields are rising due to federal debt. As long as the government continues to spend more than it receives, bond yields will keep increasing. Until Congress stops spending more than it receives, this will continue. There is no sign of this changing in the foreseeable future.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Higher interest rates are typically bad for the stock market. Higher interest rates increase the costs to borrow and expand business. Profits typically decline.</span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">Both cannot continue rising long-term. </span></div> <div><span style="font-family: Arial, sans-serif;"> </span></div> <div><span style="font-family: Arial, sans-serif;">My bet is the stock market will decline before the bond market. The bond market is significantly larger than the stock market. </span>The driver of increased bond yields is not changing. </div> <div> </div> <div>This creates significant risk and opportunity.</div> <div> </div> <div>This is the Golden Era of Fixed Assets. Fixed index annuities are generating the highest returns in decades due to the higher bond yields.</div>

The Stock Market and Bond Markets are Hitting Historical Records. Both Cannot Continue Long Term. Which Will Break Down First?

This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime income

o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

- Tax-deferred growth: pay taxes on gains only when withdrawing funds



Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?



Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased



How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products



Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes



Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

<p>This is the Golden Era of Fixed Assets</p> <p>Best index and income annuities available in my 27-year career!</p> <p>- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years</p> <p>- Up to 27% signing bonuses are available up to age 89 in most states.</p> <p>- Highest guaranteed lifetime income</p> <p>o 8-10% guaranteed annual income increase rollup</p> <p>o Up to 45% bonus available in most states</p> <p>Index (growth) annuity</p> <p>- Strong upside potential gains</p> <p>- No downside market risk</p> <p>- Principal guaranteed</p> <p>- Once gains locked in, become new principal</p> <p>- Some products: can lock in gains at any time</p> <p>- Tax-deferred growth: pay taxes on gains only when withdrawing funds</p> <p> </p> <p>Common Misconception: If you want guarantees, you have to give up strong returns. Not true!</p> <p>Annuities suffer from perception of poor performance.</p> <p>If you choose a bad stock, do you blame the entire stock market?</p> <p> </p> <p>Index Annuity Poor Performance Reasons</p> <p>1. Caps and other limits</p> <p>2. Wrong Indexes</p> <p>3. Low interest rates when purchased</p> <p> </p> <p>How do you avoid poor performance?</p> <p>Independent agent</p> <p>1. Access to nearly every product available, ensure best option</p> <p>2. About 10% of agents/advisors are independent</p> <p>3. If you met with an agent/advisor and were only shown one or two products, likely not independent</p> <p>4. Product search: literally dozens of companies and 100's of products</p> <p> </p> <p>Index Performance Report</p> <p>- 100's of indexes</p> <p>- Most poor performers</p> <p>- Choose strong performing indexes</p> <p> </p> <p>Ensure Strong Index Annuity Returns</p> <p>1. Strong performing Indexes</p> <p>2. No Caps: unlimited upside</p> <p>3. Low or no fees</p> <p>4. Strong participation rates: enhance returns</p>

The Best Time in 40+ Years to Consider an Annuity or Transfer Your Annuity

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Indexes with historical low returns

3. Low interest rates when purchased (2022 or earlier)

Who should contact me:

1. Own or considering annuity with caps (less than 10% annual caps)

2. Suffering low returns (likely poor performing index)

3. Purchased annuity 2022 or earlier

<p>Index Annuity Poor Performance Reasons</p> <p>1. Caps and other limits</p> <p>2. Indexes with historical low returns</p> <p>3. Low interest rates when purchased (2022 or earlier)</p> <p>Who should contact me:</p> <p>1. Own or considering annuity with caps (less than 10% annual caps)</p> <p>2. Suffering low returns (likely poor performing index)</p> <p>3. Purchased annuity 2022 or earlier</p> <p> </p>

The Greatest Challenge of Our Generation - The 3 Primary Reasons for Poor Index Annuity Returns

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