Ferenc Toth is founder of Your Personal Bank TM. He is passionate about helping people gain control of their money, create tax-favored income, and having access to more funds over their lifetime! Ferenc is a voice for common sense. He cuts through the noise to help us understand how current events affect our money.
Ferenc shares his popular annual successful goal setting message!
He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life.
Ferenc also shares the 4 steps to successfully accomplish goals.
Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc’s message.
Blackrock, Goldman Sachs, and JP Morgan analysts all predict S&P 500 index returns will average 3-5% annually for the next decade.
If the analysts are correct, Your Personal Bank dividends, annuities, and guaranteed lifetime income will all outperform the S&P 500 over the next decade without market risk and tax-favored.
Many financial experts are calling this the “golden age” of fixed investments.
Even if the Trump administration does everything right, some problems will take a while to fix. Debt is a major challenge.
Record levels of debt requires record selling of bonds. This pushes bond interest rates higher.
Until the government starts paying down debt, bond interest rates will remain elevated.
At the same time, the Federal Reserve is lowering borrowing costs by reducing interest rates.
This creates an opportunity.
Your Personal Bank allows you to earn dividends (likely increasing) while accessing funds to pay off debt, purchase items, or invest in assets.
If dividends are higher than the borrowing costs, you keep the difference. This creates positive cash flow (positive arbitrage) on your money.
We are likely headed to a historical positive arbitrage scenario.
Historically, positive arbitrage has been available 24 of the past 28 years. The other 4 years the dividends and borrowing costs were similar. The average annual positive arbitrage was 2-3%. This is interest you earn on money you spent or allocated elsewhere!