Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

12/20/25 Ferenc Personal Story

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people. 
This is higher both in total number and percentage than the peak of the Ellis Island period. 
42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits.
Ellis Island immigrants mostly wanted the opportunity of the American Dream.
Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here. 
Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people.&nbsp; This is higher both in total number and percentage than the peak of the Ellis Island period.&nbsp; 42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits. Ellis Island immigrants mostly wanted the opportunity of the American Dream. Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here.&nbsp; Fewer people equals lower cost of housing, rent, food, and insurance. Fewer people equal less crime, less crowded schools and hospitals.

12/13/25 The Solution to the Affordability Problem is Less People Who Don't Belong Here

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.

 

To win a horse race you need a fast horse and a good rider.

 

The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.

 

The Index Performance Report shows the 1, 5, and 10  year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit returns while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns. 

 

Index returns are not typically public info. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware this info is available. Without the index return history the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.

 

Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.
&nbsp;
To win a horse race you need a fast horse and a good rider.
&nbsp;
The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.
&nbsp;
The Index Performance Report shows the 1, 5, and 10 &nbsp;year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit returns while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns.&nbsp;
&nbsp;
Index returns are not typically public info. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware this info is available. Without the index return history the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.
&nbsp;
Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

12/06/25 80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.
Nvidia CEO, Jensen Huang, recently stated "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.
The US State Department has warned that mass migration poses an "existential threat" to Western civilization.
HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.
Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk. Nvidia CEO, Jensen Huang, recently stated "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing. The US State Department has warned that mass migration poses an "existential threat" to Western civilization. HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America. Only 30% of 2025 graduates and 41% of 2024 graduates have found entry-level jobs in their fields, per Forbes. Why are we still importing over one million foreign workers annually?

11/29/25 Just Like You Need a Fast Horse and Great Rider to Win a Horse Race, You Need a Strong Index and Great Strategy to Maximize Index Returns. 

The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legally and illegally. 

We need big solutions to solve big problems. Some are calling for a Marshal Plan for housing. Many ideas are being floated to improve housing affordability. 

50 year mortgages are a particularly bad idea for many reasons. The one positive would be lower monthly payments than a 30 year mortgage. But interest rates would likely be higher on a 50 year mortgage than a 30 year similar to 15 year mortgage interest rates are typically lower than 30 year. This would eliminate most of the benefit of lower payments.

The American dream includes owning your own home, not renting an apartment.

This is a supply problem. Solutions:
1.There need to incentives to build affordable single family homes. 
2. Permit and infrastructure fees average 24% of the cost of the average home. 
3. Deport illegal immigrants and fraudulent legal immigrants.

HB-1 visas are supposed to be for the rare "genius". No one would have an issue if a few HB-1 visas were needed to train Americans to build high-end computer chips. The reality is HB-1 visa's are currently about 750,000. About 80% take entry-level and junior-level jobs from Americans.

Some work visas do not require the company to pay payroll taxes. The foreign worker's job is typically tied to their job. If they lose their job they have to back home. This gives the company control over the employee. The company saves taxes, can pay the foreign employee less, and has more control. It is a form of indentured servitude. 

The US Census counts illegals and the 55 million visa holders. This gives more seats in the House of Representatives and Electoral College votes. The majority of illegal immigrants and visa holders live in blue states. It is about political power.

Fewer people in the US would the quickest method to increase affordability.

The medium age of all homebuyers is a record breaking 59. First-time homebuyers average age 40, up from age 29 in 1981. This is the result of not building enough houses and allowing too many people in our country, both legally and illegally.&nbsp;
We need big solutions to solve big problems. Some are calling for a Marshal Plan for housing. Many ideas are being floated to improve housing affordability.&nbsp;
50 year mortgages are a particularly bad idea for many reasons. The one positive would be lower monthly payments than a 30 year mortgage. But interest rates would likely be higher on a 50 year mortgage than a 30 year similar to 15 year mortgage interest rates are typically lower than 30 year. This would eliminate most of the benefit of lower payments.
The American dream includes owning your own home, not renting an apartment.
This is a supply problem. Solutions: 1.There need to incentives to build affordable single family homes.&nbsp; 2. Permit and infrastructure fees average 24% of the cost of the average home.&nbsp; 3. Deport illegal immigrants and fraudulent legal immigrants.
HB-1 visas are supposed to be for the rare "genius". No one would have an issue if a few HB-1 visas were needed to train Americans to build high-end computer chips. The reality is HB-1 visa's are currently about 750,000. About 80% take entry-level and junior-level jobs from Americans.
Some work visas do not require the company to pay payroll taxes. The foreign worker's job is typically tied to their job. If they lose their job they have to back home. This gives the company control over the employee. The company saves taxes, can pay the foreign employee less, and has more control. It is a form of indentured servitude.&nbsp;
The US Census counts illegals and the 55 million visa holders. This gives more seats in the House of Representatives and Electoral College votes. The majority of illegal immigrants and visa holders live in blue states. It is about political power.
Fewer people in the US would the quickest method to increase affordability.

11/22/25 We Need a Marshall Plan to Improve Housing Affordability

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).

 

Index annuities and Index Universal Life (IUL) allows you to: 

Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss.
Double digit potential annual returns on good market years with no losses on bad market years.
Ability to lock-in gains at any time.
Strong fixed interest option. If interest rates remain high and/or increase, you have good options.

How to ensure you have the highest potential upside gains:
We are independent and have access to 50+ annuity companies, including all the top carriers.
There are 600+ index options. 
We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this info, an agent or advisor is "flying blind".

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).
&nbsp;
Index annuities and Index Universal Life (IUL) allows you to:&nbsp;
Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss. Double digit potential annual returns on good market years with no losses on bad market years. Ability to lock-in gains at any time. Strong fixed interest option. If interest rates remain high and/or increase, you have good options.
How to ensure you have the highest potential upside gains: We are independent and have access to 50+ annuity companies, including all the top carriers. There are 600+ index options.&nbsp; We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this info, an agent or advisor is "flying blind".

11/15/25 How Index Annuites and Index Universal Life provide Unlimited Potential without Downside Market Risk

Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&P 500 at its highest levels ever. He highlights that the top 10 US stocks account for over 41% of the S&P 500's market cap, and AI-related stocks make up 47%. He also mentions the risks of non-bank private credit and sovereign debt contributing to an economic bubble.

Ferenc warns of potential market corrections or crashes, suggesting investors protect themselves with index products like annuities and life policies, which offer unlimited upside gains with no downside risk. Principle is guaranteed. Gains can be locked in at any time. There are 600+  index strategies. Ferenc has access to proprietary software that tracks the one, 5, and 10 year returns of the indexes. The indexes have up to 17% average annual return for the past decade. This ensures Ferenc can recommend the indexes that are most likely to have the highest upside potential. Very few advisors or agents have access to this info. Without the historical return info, the annuity agent is "flying blind". This is a game changer.

Ferenc Toth discusses the extreme overvaluation of the stock market, citing four major valuation indicators that are overvalued by three standard deviations, with the S&amp;P 500 at its highest levels ever. He highlights that the top 10 US stocks account for over 41% of the S&amp;P 500's market cap, and AI-related stocks make up 47%. He also mentions the risks of non-bank private credit and sovereign debt contributing to an economic bubble.
Ferenc warns of potential market corrections or crashes, suggesting investors protect themselves with index products like annuities and life policies, which offer unlimited upside gains with no downside risk. Principle is guaranteed. Gains can be locked in at any time. There are 600+ &nbsp;index strategies. Ferenc has access to proprietary software that tracks the one, 5, and 10 year returns of the indexes. The indexes have up to 17% average annual return for the past decade. This ensures Ferenc can recommend the indexes that are most likely to have the highest upside potential. Very few advisors or agents have access to this info. Without the historical return info, the annuity agent is "flying blind". This is a game changer.

11/08/25 Reduce Your Market Risk with Indexes with up to 17% Average Annual Returns for the Past Decade with No Downside Market Risk. 

Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic.

Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you never lose money. 

Gains can be locked in at any time. Also, you can set automatic high and low bands to lock in gains.

Ferenc shares the S&amp;P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic.
Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you never lose money.&nbsp;
Gains can be locked in at any time. Also, you can set automatic high and low bands to lock in gains.

11/01/25  Index Products Provide Unlimited Upside Potential with No Downside Risk. Lock in Gains at Any Time. How to Obtain Index Historical Returns.

Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks are in a bubble. Ferenc highlights the concentration of wealth in tech stocks, with the top five companies representing about 30% of the S&P 500. He emphasizes the risks of market corrections, potential volatility, and the importance of diversification. Ferenc promotes index annuities and life products to continue unlimited upside potential while protecting downside market risk.

Ferenc discusses the unprecedented valuations of the S&amp;P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks are in a bubble. Ferenc highlights the concentration of wealth in tech stocks, with the top five companies representing about 30% of the S&amp;P 500. He emphasizes the risks of market corrections, potential volatility, and the importance of diversification. Ferenc promotes index annuities and life products to continue unlimited upside potential while protecting downside market risk.

The Buffett Indicator has Hit 217%, the Highest ever Recorded.

Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management

Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management

10/18/25  Data Center Energy Requirements are Estimated to be the Equivalent of 70 New Nuclear Reactors by 2028

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.


No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause. 

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.
 No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause.

Your Personal Bank

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