guaranteed variable investments

Guaranteed Variable Investments

There Used To Be Only Two Ways To Put Your Money To Work




Guaranteed Term Deposits



Guaranteed Term Deposits

Variable Investments

OR

Guaranteed Term DepositsMarch 17, 2014 - TD Canada Trust Rates

1 Year: 1.30%2 Year: 1.35%3 Year: 1.40%4 Year: 1.60%5 Year: 2.10%

Guaranteed Term DepositsMarch 17, 2014 - TD Canada Trust Rates

1 Year: 1.30%2 Year: 1.35%3 Year: 1.40%4 Year: 1.60%5 Year: 2.10%

Variable Investments1 Year: -100% to + Infinite %

There Is Now A Third Option



They Could Be Called Hybrid Investments



They Could Be Called Hybrid Investments

They Are Variable Investments With Guarantees

Guaranteed Variable InvestmentsThis Hybrid Investment lets you remain invested, with the chance to make substantial market returns, yet you are guaranteed a “Worst Case Scenario” that is better than current guaranteed investments. Because the insurance company is assuming most of the risk you are encouraged to remain invested and history shows you would have been rewarded for doing so.


Greed/Buy

Greed/Buy

Fear/Sell

Fear/Sell

Repeat Until Broke


Greed/Buy

Greed/Buy

Fear/Sell

Fear/Sell

Repeat Until Broke

Human Behavior


Your money is invested in a mutual fund that has achieved competitive returns for several years. It is invested in the markets (Stocks and Bonds). It does not act alone, it follows the trend of the economy). If it loses value or makes less than 5% you get 5% per year. If it goes up by more than 5% you get that return. (Conditions Apply)

To learn more about this ask call me or email me.

Greed/Buy

Greed/Buy

Fear/Sell

Fear/Sell

Repeat Until Broke

Human Behavior

The Average Investor Buys And Sells At The Wrong Time

Jul-

97S

ep-9

7N

ov-9

7D

ec-9

7F

eb-9

8A

pr-

98M

ay-9

8Ju

l-98

Sep

-98

Oct

-98

Dec

-98

Feb

-99

Mar

-99

May

-99

Jul-

99A

ug-

99O

ct-9

9D

ec-9

9Ja

n-0

0M

ar-0

0M

ay-0

0Ju

n-0

0A

ug-

00O

ct-0

0N

ov-0

0Ja

n-0

1M

ar-0

1A

pr-

01Ju

n-0

1A

ug-

01S

ep-0

1N

ov-0

1D

ec-0

1

-2,000

0

2,000

4,000

6,000

8,000

10,000

500

600

700

800

900

1,000

1,100

1,200

1,300

1,400

1,500

The Ins & Outs Of Market EmotionsN

et C

ash

Flo

w (

$Mill

ion

s)

MS

CI

Wor

ld S

tock

In

dex

Max. opportunityoutflow = $1.1 Billion

Point of max. riskInflow = $9.4 Billion

Jul-

97S

ep-9

7N

ov-9

7D

ec-9

7F

eb-9

8A

pr-

98M

ay-9

8Ju

l-98

Sep

-98

Oct

-98

Dec

-98

Feb

-99

Mar

-99

May

-99

Jul-

99A

ug-

99O

ct-9

9D

ec-9

9Ja

n-0

0M

ar-0

0M

ay-0

0Ju

n-0

0A

ug-

00O

ct-0

0N

ov-0

0Ja

n-0

1M

ar-0

1A

pr-

01Ju

n-0

1A

ug-

01S

ep-0

1N

ov-0

1D

ec-0

1

-2,000

0

2,000

4,000

6,000

8,000

10,000

500

600

700

800

900

1,000

1,100

1,200

1,300

1,400

1,500

The Ins & Outs Of Market EmotionsN

et C

ash

Flo

w (

$Mill

ion

s)

MS

CI

Wor

ld S

tock

In

dex

Max. opportunityoutflow = $1.1 Billion

Point of max. riskInflow = $9.4 Billion

The average investor gets average results because they react emotionally.

Time in the market is more profitable than timing the market.

DISCLAIMER

There Are Several Insurance Companies Now Marketing Guaranteed Variable Investments. The Contracts Are Very Similar Yet Not Identical. The Descriptions Given Here Have Been Selected From The Marketing Material Provided By Various Companies and May Not Be Accurate For All Companies.

DISCLAIMER

There Are Several Insurance Companies Now Marketing Guaranteed Variable Investments. The Contracts Are Very Similar Yet Not Identical. The Descriptions Given Here Have Been Selected From The Marketing Material Provided By Various Companies and May Not Be Accurate For All Companies.

I Refer To My Work Here As Research. Others Might Call It Plagiarism.-Brian Penston

DISCLAIMER

Brian PenstonB.Comm. (Hons.), CLU, CH.F.C.,

CFP

Phone: (204) 633-7353 Email: [email protected]

Brian PenstonB.Comm. (Hons.), CLU, CH.F.C.,

CFP

Phone: (204) 633-7353 Email: [email protected]

Thank You

guaranteed variable investments

Economy & Finance