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Infinite Banking And How it Works as an Alternative Investment Option

Infinite Banking is a unique concept that was developed by Nelson Nash. Infinite Banking lets you be your own banker and offers much more when it comes to safety and control than most other financial or investment option that are out there today. It may sound strange to some, but Infinite Banking relies on utilizing high cash value life insurance to create your own personal banking system.

About 30% of your income actually goes into paying loan money with savings as low as 10% on an average. While these are the US numbers, things are not much different in other countries either. This debt percentage is what makes Infinite Banking so powerful. Let’s get to know more about the concept and how it works:

What Is Infinite Banking?

Infinite Banking relies on a custom designed whole life insurance policy that allows users to access money, like a bank, and growing their money through the use of whole life insurance dividends. This lets individuals manage cash flow within their own system without the need to count on outside options such as actual banks or other lending institutions.

You start by building a large amount of “cash value” in a whole life policy. Now that you have this cash value, you can borrow money out of our life insurance policy. This can be used to fulfill your needs, be it to buy a car or some other items.

The money is basically a side loan provided by your insurance company and is guarded by the life insurance policy’s cash surrender value.

The concept has gained immense popularity in the last few years and is also known as bank on yourself, perpetual wealth system etc. In simple words, you put all your investments in a life insurance policy instead of investing somewhere else. From here you can withdraw, as needed, on agreed terms that include paying interest like you normally would if you took loan from a third-party.

Meanwhile, the actual cash value inside the life insurance policy is untouched, and continues to grow, with interest, whether money is borrowed against it or not.

How Does It Work?

A lot of people confuse infinite banking with a life insurance policy. By overfunding a life insurance policy, it can actually generate a substantial amount of interest.

The Infinite banking system is merely a way of utilizing the rules that are already in place by the government and by life insurance companies in order to gain the most benefit.

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Infinite banking system works in 4 ways.

  • You are the depositor.
  • You are the bank.
  • You are the borrower.
  • You get the profits from the system.

Let’s say you choose long-term investments to deposit into an Infinite Banking policy. Normally, long-term investments are deposited into IRAs, 401ks etc. However, that can be a risky investment as your investment can lose value with time. Plus, the taxes are also very high and liquidity can also be an issue.

Infinite banking gets its name due to it being infinite. There is no limit on how much money you can invest and the cycle can continue for as long as you want it to. Taxes can be dramatically reduced, and money is always liquid and accessable.

Depositing, Withdrawing And Imposing Interest

Consider the Infinite Banking system as an interest bearing system. The money you deposit in your own bank grows tax-free. This is why you pay no taxes on withdrawals as long as it is setup and treated properly.

The money is 100% liquid. This means you can take out the money whenever you want to. This money comes out as a loan, which gives us some added benefits when we borrow and when we retire. The benefit of taking the amount out as a loan is that the money keeps on growing. Here’s an example:

Let’s say, you have $100,000 in your banking system and you take out $25,000 for home remodeling, $2,500 to buy a lawn mower, and $10,000 for business purposes.

Now, even though you have borrowed this money out of your banking system, the amount continues to grow inside of your Infinite Banking policy.

Many who do this will choose to pay themselves back at a higher interest rate than the required amount. Now, the interest you pay will actually be in your favor and go in, as extra money, into the Infinite Banking policy.

By the time you pay the whole interest and loan amount, you will have more money in the bank and growing at a reasonable compound interest rate.

When money is borrowed out, it is treated as a loan to yourself. What interest rate would you want to earn on your money? It’s up to you to either follow the market interest rate or come up with your own interest rate. Experts believe that an interest rate of 5% to 10% is viable. Paying a higher interest rate will create a better future for yourself and your family.

So, you make a plan and set monthly principal amounts along with a set interest rate. This way, you keep on adding money into your banking system with interest and that money continues to grow with tax advantages. When done correctly, it can be a huge win-win for your situation.

This way, for every purchase you make, you increase your principal amount along with compound interest.

Benefits Of Infinite Banking

Non Correlated Assets: This investment option is non correlated. Meaning, there’s no ties to any shares or stock market. Hence, no fluctuations are observed throughout the investment period.

Tax Advantages: We can avoid taxes indefinitely when done correctly. This is because, as long as the life insurance policy is in effect, taxes are never owed. When you die, money is transferred from the Infinite Banking policy to your heirs tax free. This is the biggest drawback of other options such as IRAs and many consider this to be Infinite Banking’s biggest strength.

You’re The Boss and Have Total Control over Your Money: When it comes to other investment options, you have no control over your money. Infinite Banking offers you full control. You can borrow money whenever you like, and can charge interest as well. You can also borrow money from your policy for other investments when you feel they are a good option.

Bank Balance Growth: For every time that you withdraw money, your principal amount increases when you pay it back with compound interest. Why? Because you are paying yourself back with principal amount along with interest.

Like every other investment option, IBC has its downfalls too.

Large Part Of Income May Be Required: To start this banking system, you will have to have a good amount of cash. You cannot start your own bank with $10. You should have at least 100 dollars a month, minimum, to start your own banking system.

You Need To Be Strict And Disciplined: The whole plan will fail if you get weak and do not pay the interest as agreed upon, or if you stop putting money into the policy too early. Usually, it takes 5-7 years to get an Infinite Banking policy running efficiently.

Infinite Banking is not a cure all for financial problems. However, it does provide a safe alternative to market based investments.

Disclaimer: This is a guest post and it doesn’t represent the views of IWB.

Is it risky to invest in the stock market?

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Currently less than 2% of India’s population invest in stock market. So, the point is obvious that it is risky, or else I would expect everyone to jump in it if it gives risk-free better returns than bank FDs.

  • But the question is how risky??

Let us get to pure mathematics and do some data crunching.

There are 5828 stocks listed in BSE. And if you talk about last one year returns:

  • 455 stocks gave more than 100% returns ( 7.8% ).
  • 921 stocks gave more than 50% returns (15.8% ).
  • 1774 stocks gave positive returns (30.44%).
  • So, one year back if you had randomly picked a stock , there would be only 30% c.

Infinite-market.io Reviews: Infinite Market, Another Risky Investment

Oil major ExxonMobil has not changed its capex strategy where others have, and as a result of the price collapse, the supermajor now has to take on a lot of additional debt

Boeing extends Washington state production shutdown indefinitely

The largest U.S. planemaker said on March 23 it would halt production at its Washington state twin-aisle jetliner factory as a temporary measure to help fight the outbreak of the respiratory disease. Boeing declined to say when production could resume. It said the actions were “being taken in light of the company’s continuing focus on the health and safety of employees, current assessment of the spread of COVID-19 in Washington state, the reliability of the supply chain and additional recommendations from government health authorities.”

These 60 large U.S. companies are ‘susceptible to a dividend cut,’ according to Jefferies

Investors who rely on income are already seeing companies reduce or eliminate dividend payouts as the coronavirus spreads.

3 Coronavirus Stocks That Could Lead the Market to Recovery

Almost three months have passed since COVID-19 began its spread beyond China’s borders, and the market remains in free fall. Capping off another volatile week, stocks fell on Friday April 3 in response to disappointing U.S. economic data, offsetting gains posted in the previous session. Based on a new report from the Labor Department, the U.S. economy saw 701,000 jobs erased in March, much more than economists originally expected as the figure doesn’t even include the 10 million unemployment filings that occurred after March 14. In addition, New York Governor Andrew Cuomo announced on Friday that the state had experienced the biggest jump in COVID-19-related deaths the day before, sending the market plummeting even further. For those investors feeling hopeless right now, there’s a bright spot on the horizon. Several companies have stepped up to the plate, developing innovative solutions to fight off the deadly virus. According to some Wall Street pros, these new technologies represent a possible inflection point in the war against COVID-19, and could even help drive the stock market’s recovery. Taking all of this into consideration, we used TipRanks’ database to get more information on three stocks at the frontline of the COVID-19 battle. The investing platform revealed that all of these Buy-rated tickers have been flagged by some analysts for their technology’s huge potential. Let’s get started. Abbott Laboratories (ABT) In the fight against COVID-19, Abbott’s tests to identify the virus have helped healthcare providers make significant headway. Along with its molecular test that is already being used in labs throughout the U.S., the company revealed on April 3 that the FDA granted emergency use authorization (EUA) for a rapid coronavirus testing system. As the product can detect positive results in five minutes and negative results in 13 minutes, much faster than any other available COVID-19 tests, Wall Street focus has locked in on ABT. Weighing in for Barclays, analyst Kristen Stewart believes the test will be performed on the ID NOW platform, an isothermal nucleic acid amplification technology, and thus offers advantages that go beyond its speed. “The system is easy to use with minimal training. The tests are CLIA waived, which is an advantage and allows for the placement in physician offices and urgent care offices. We estimate there are at least 15,000 systems in the United States, placed throughout physician offices, urgent care offices, and other healthcare facilities,” Stewart explained. As for the total opportunity, Stewart doesn’t dispute that Abbott’s manufacturing capacity, which she thinks would be the rate limiting factor as there is significant demand for the test, remains unclear. “The pricing would likely be under the non-CDC pricing

$51 level, perhaps in the $35-$45 range. We hope Abbott would supply these details when it announces approval,” the analyst noted. That being said, 4 million of its molecular tests can be conducted each month on its m2000 systems, with ABT charging about $30 per test. As a result, Stewart kept an Overweight call and $98 price target on the stock. Should this target be met, a twelve-month gain of 23% could be in the cards. (To watch Stewart’s track record, click here) Turning now to other Wall Street analysts, the bulls have it. With 8 Buy ratings and 3 Holds assigned in the last three months, the consensus rating comes in as a Moderate Buy. The $97.89 average price target implies only slightly less upside potential than Stewart’s forecast. (See Abbott stock analysis on TipRanks)Johnson & Johnson (JNJ) Next up is a consumer goods and healthcare heavyweight, Johnson & Johnson, which is developing a vaccine against COVID-19. After the company identified a lead candidate, one analyst thinks JNJ is one of the names capable of fueling the stock market’s turnaround. With a lead experimental vaccine candidate selected, Kristen Stewart, who also covers ABT, points out that at the latest, JNJ can kick off Phase 1 human clinical studies by September 2020. According to management, the first doses of the vaccine could be available under Emergency Use Authorization (EUA) in early 2021. Adding to the good news, JNJ has significantly expanded its partnership with the Biomedical Advanced Research and Development Authority (BARDA), with both entities pledging more than $1 billion to co-fund the vaccine’s development and clinical testing. If that wasn’t enough, Stewart notes “BARDA and JNJ have provided additional funding to allow expansion of ongoing work to identify anti-viral treatments against COVID-19.” However, while JNJ has ramped up the scaling of manufacturing capacity and has a target of supplying more than 1 billion vaccine doses, there is a risk that the candidate won’t eventually receive approval. Having said that, Stewart argues the real goal is to develop an affordable vaccine “on a not-for-profit basis for emergency pandemic use.” She added, “Thus we would anticipate the cost it would charge for the vaccine would recoup the cost of development, cost of scaling up the manufacturing, and cost of production. Thus, we would not look at the vaccine as being a windfall or major positive from a financial perspective. We believe J&J is doing the right thing and adhering to the company’s long-running Credo.” Despite the fact that its medical device business could take a hit as elective procedures are delayed, its COVID-19 vaccine candidate, balanced portfolio, strong balance sheet and dividend, yielding 2.8% and paying out $3.80 per share annually, reaffirm Stewart’s confidence. Bearing this in mind, she maintained a Buy rating and $173 price target. This implies shares could surge 29% in the next year. What does the rest of the Street have to say? Out of 9 recent reviews, 8 were bullish, making the consensus rating a Strong Buy. In addition, the $157.22 average price target brings the upside potential to 17%. (See Johnson & Johnson stock analysis on TipRanks) Gilead Sciences (GILD) Biotech Gilead Sciences has grabbed headlines left and right thanks to its experimental COVID-19 treatment, remdesivir. With the company now stating it will donate 1.5 million doses of the drug, which could treat 140,000 patients, it’s no wonder some analysts are standing firmly behind GILD. Shares are up 20% year-to-date, but Jeffries’ Michael Yee believes its growth story is still heating up. Looking at the big picture, he argues, “GILD remains a defensive positioning stock particularly in this macro environment. We appreciate short-term trading has been mostly dictated around market volatility risk-on/off and expectations on remdesivir for COVID-19 data starting in April.” That being said, there’s more to this biotech’s “improving story”. The company has placed a significant focus on expansion, with its recent M&A activity including a $5 billion deal with immuno-oncology company Forty Seven. Additionally, its second quarter Phase 3 filgotinib UC data readout could send shares on an upward trajectory as well as improve sentiment surrounding the drug’s differentiation from AbbVie. Yee already thinks that the pbo-adjusted remission rates imply that filgotinib is “competitive with other UC drugs.” Expounding on this, he stated, “While we expect investors to make cross-trial comparisons, we caution comparing directly to other UC datasets is imprecise due to differing baseline characteristics such as proportion of biologic naive/experienced and slightly different endpoints of the Mayo score. However — recent commentary from GILD suggests positive confidence around results and good activity in both biologic naive and experienced.” With an August PDUFA date for filgotinib in RA, Yee does, however, acknowledge that a class label Black Box could be given as a result of uncertainty related to degree of bleeding difference between various JAK drugs. It’s also still unclear if filgotinib will be approved at the 200mg dose. Commenting on the second issue, Yee said, “In any case, it’s reasonable to approve 200mg particularly if the MANTA interim look is OK but FDA is a conservative bunch. Also, even if not, we point out ABBV was only approved at the low dose in RA as well so it would not be a totally critical issue.” To this end, Yee reiterated a Buy recommendation and $89 price target, indicating 14% upside potential. (To watch Yee’s track record, click here) Looking at the consensus breakdown, 10 Buys, 9 Holds and 2 Sells add up to a Moderate Buy consensus rating. At $76.88, the average price target puts the downside potential at 2%. (See Gilead stock analysis on TipRanks)To find good ideas for coronavirus stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.

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