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Making Higher Retirement Returns
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Hello for Insight Retirement
http://www.insightretirement.com/
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With self-managed or solo IRAs, you can take charge of your financial future. Now, more than
ever, diversification is the key to success. If you stick with stocks and CDs, your future financial
picture might not be that pretty. Let's look at a few facts.
The Current Facts
The expected inflation rate is currently 3%. What's the average rate of return on a bank CD? It is
between 3 and 4%. Today, the national average is 4.04%. So, when you consider the expected
rate of inflation, you are actually only earning a 1.04% return on your investment.
Let's say that you decide to invest $25,000 in a money market account. It's considered a safe
investment and custodians often recommend them. Rates vary of course, but right now, the
average rate of return on a MMA is 3.04%. Figuring in inflation, you are actually earning only .04%
in interest, annually.
The Benefit Of Self Managed IRAs
With solo IRAs, people can earn a lot more. You can stick with the stock market, but don't expect
more than an 8% return on those investments, either. Adjusting for inflation, that's about 5%.
Historically, the average rate of return is closer to 6%. Right now, because of the bleak stock
market picture, people are lucky if they don't "lose" money.
A New Way To Use Your Self Managed IRA
So, what can you do? How can you actually have a secure financial future? Why not real estate?
You might think that this is not a good time, but there is a huge market out there that is largely
untapped. People always need a place to live.
In recent years, developers made some big mistakes. They saturated the market with houses
costing in excess of $250,000. In some areas, you can't find anything less than a half million.
Middle income Americans simply cannot afford to pay that much.
In some areas, there is a 15 year waiting list for affordable housing. That's right, people are
waiting 15 years to buy a home.
What Your Banker Or Broker Doesn't Want You To Know
Of course, if you currently have a traditional retirement account, managed by your bank or broker,
they will discourage you from taking a step in this direction. Why wouldn't they?
2. They are using your money to make more money for themselves. They have a "spread", you see.
They take the actual return on an investment, subtract their spread, and you get the difference.
That's one reason your account is not earning what it should.
With the right custodian, solo IRAs are seeing huge returns in a relatively short period of time. One
man turned $20,000 into 1.2 million in just three years. If he had put the money in a bank CD or
MMA, he would have earned less than $3000 in interest.
Retire Wealthy Rather Than Relying On So Called Safe Traditional Investments
All you need to do is find a good self-directed custodian that charges reasonable annual fees and
allows YOU to make the investment choices. Solo IRAs invested in real estate are earning the big
returns, today.
Visit http://www.insightretirement.com/ to find out how to use solo IRAs
http://www.insightretirement.com/ to invest in safe, smart real estate so you can retire sooner than
later.
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Hello for Insight Retirement
http://www.insightretirement.com/
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