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.

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

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

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.

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

Your Personal Bank

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