Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%                            95 - 100%     4%                            85 - 90%     5%                            65 - 70%     6%                            40 - 45%  If you increase your withdrawal rate, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase if you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.      

This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.



   - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.



   - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

       - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement.    The financial industry ran with this recommendation ever since.    JP Morgan projects the following on a typical portfolio:  Withdrawal Rate       Likelihood of not running out of Money     3%                            95 - 100%     4%                            85 - 90%     5%                            65 - 70%     6%                            40 - 45%  If you increase your withdrawal rate, your likelihood of success decreases significantly.   Current Guaranteed Lifetime Income withdrawal rates:    - Age 65: 7.5% guaranteed for life    - Age 75: 8.5% guaranteed for life    - Rates increase if you are older   You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.     This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

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.

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.