Book description
How to safely, easily, and as tax efficiently as possible diversify and hedge against the dollar's fall
It's no secret-the U.S. economy is in crisis mode, threatening everything from personal savings to our overall prosperity as a nation. Panicking is not the answer. Having a clear game plan is. In this environment, investors must protect themselves from the immense financial uncertainties they face as a saver or an investor in the 21st Century. Investors need solid information about ways to recession-proof their retirement and investment portfolios.
The Insured Portfolio offers that guidance revealing the major financial threats the 21st Century Saver and Investor faces and showing them how to build a strong portfolio and protect their assets. Written in smart, engaging prose, the book:
Details ways to invest overseas, and specifically-how to use international private placement policies as a way to protect assets and reduce taxes
Provides investors with the tips and tools needed to profit overseas with insurance, including how to bypass the international restrictions often used to keep investors from seeking opportunities in other countries
For those seeking customized asset protection, a dollar hedge, global investment diversification, tax privileged growth and estate planning, there is not another single solution on the market today that can achieve all of these objectives at once better than The Insured Portfolio.
Table of contents
- Copyright
- DISCLAIMER
- ACKNOWLEDGMENTS
- INTRODUCTION: A NEW GENERATION OF SAVERS AND INVESTORS HAVE BROUGHT CERTAINTY TO THEIR FINANCIAL FUTURE—AND SO CAN YOU!
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1. WELCOME TO THE TWENTY-FIRST CENTURY: The Lessons of the First Decade and the Historical Precedent for Today's "Unprecedented" Crisis
- 1.1. HISTORY MAY NOT REPEAT ...
- 1.2. WHY THE EVENTS OF 1873 REALLY MATTER
- 1.3. AMERICA'S AGE AS A SUPERPOWER
- 1.4. THE GENERATIONAL WEALTH PHENOMENON
- 1.5. THE FIRST GENERATION: PRIOR TO THE 1920s—LIVING THE AMERICAN DREAM
- 1.6. THE SECOND GENERATION: 1920s–1970s—KILLING THE GOLDEN GOOSE
- 1.7. THIRD GENERATION: 1970S–TODAY—PAYING THE PIPER IS OFTEN HARD
- 1.8. NEARING THE BOILING POINT
- 1.9. WITH CRISIS COMES OPPORTUNITY
- 1.10. FINDING THE NEW LAND OF OPPORTUNITY AND SAFETY
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2. PASSING THE WEALTH BATON: Building a Sustainable Investment and Savings Plan to Ensure a Solid Financial Future
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2.1. STEP 1: FOR WORLD-CLASS INVESTMENT RETURNS, YOU NEED WORLD-CLASS INVESTMENTS—THE IMPORTANCE OF GLOBAL MARKETS IN THE TWENTY-FIRST CENTURY
- 2.1.1. The "American" Dream Finds a New Home
- 2.1.2. The American Dream: Gone Global
- 2.1.3. Globalizing the Economy—Americanizing at Home
- 2.1.4. The Key to Understanding Economies in the Long Haul
- 2.1.5. Profiting from the "New" First Generation
- 2.1.6. Why IRAs and 401(k)s Simply Are Not Enough
- 2.1.7. Understanding the U.S. Tax Requirements is Critical
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2.2. STEP 2: PROTECT YOURSELF FROM THE ERODING U.S. DOLLAR
- 2.2.1. Dollar Holders Locked Inside a Sinking Ship
- 2.2.2. The Birth of a Worldwide Fiat Money System
- 2.2.3. The Brave New World—Creating Money without Value
- 2.2.4. What Drives Currencies
- 2.2.5. An Eternal Bull Market
- 2.2.6. Hedge against Market Risk
- 2.2.7. Greater Profits from Traditional Investments
- 2.2.8. Dollar Holders Are Way Behind the Currency Times
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2.2.9. Currency Investments for the Twenty-First Century Portfolio1
- 2.2.9.1. Australian Dollar (AUD or A$) Central Bank: Reserve Bank of Australia (RBA)2
- 2.2.9.2. Brazilian Real (R$ or BRL)Central Bank: Central Bank of Brazil3
- 2.2.9.3. British Pound (GBP or £)Central Bank: Bank of England (BoE)4
- 2.2.9.4. Canadian Dollar (CAD or C$)Central Bank: Bank of Canada (BOC)5
- 2.2.9.5. Chinese Renminbi (RMB) or Yuan (CNY)Central Bank: People's Bank of China (PBC or PBOC)6
- 2.2.9.6. Czech Koruna (CZK or Kč) Central Bank: Czech National Bank7
- 2.2.9.7. Danish krone (DKK or Kr) Central Bank: National Bank of Denmark8
- 2.2.9.8. Euro (EUR or £) Central Bank: European Central Bank (ECB)9
- 2.2.9.9. Hong Kong Dollar (HKD or HK$) Central Bank: Hong Kong Monetary Authority10
- 2.2.9.10. Hungarian Forint (HUF or Ft) Central Bank: Hungarian National Bank11
- 2.2.9.11. Icelandic Krona (ISK or Ikr) Central Bank: Central Bank of Iceland12
- 2.2.9.12. Indian Rupee (INR or Rs) Central Bank: Reserve Bank of India (RBI)13
- 2.2.9.13. Japanese Yen (JPY or ¥) Central Bank: Bank of Japan (BoJ)14
- 2.2.9.14. Mexican Peso (MXN or Mex$) Central Bank: Bank of Mexico15
- 2.2.9.15. New Zealand Dollar (NZD NZ$ or Kiwi) Central Bank: Reserve Bank of New Zealand16
- 2.2.9.16. Norwegian Krone (NOK or kr)Central Bank: Bank of Norway17
- 2.2.9.17. Polish Zloty (PLN or zl) Central Bank: National Bank of Poland (NBP)18
- 2.2.9.18. Singapore Dollar (SGD or S$) Central Bank: Monetary Authority of Singapore19
- 2.2.9.19. South African Rand (ZAR or R) Central Bank: South African Reserve Bank20
- 2.2.9.20. Swedish Krona (SEK, Swedish Crown or kr) Central Bank: Sveriges Riksbank21
- 2.2.9.21. Swiss Franc (CHF, Fr, or SFr) Central Bank: Swiss National Bank (SNB)22
- 2.2.9.22. U.S. Dollar (USD) Central Bank: Federal Reserve23
- 2.2.10. Moving Your Wealth Out of One Basket
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2.3. STEP 3: LOWER YOUR WEALTH PROFILE AND PROTECT WHAT YOU HAVE
- 2.3.1. Frivolous Lawsuits Abound with No End in Sight
- 2.3.2. Entrepreneurs and Professionals Are at the Biggest Risk
- 2.3.3. Divorce Is a Major Threat to Nearly 50 Percent of Today's Families
- 2.3.4. Identity Theft Is Also on the Rise
- 2.3.5. No State or Federal Protection
- 2.3.6. Your Primary Residence
- 2.3.7. Protection Limits Can Greatly Diminish Your Security
- 2.3.8. Your Retirement Nest Egg
- 2.3.9. For True Protection, Give Your Money Away
- 2.3.10. Timing Is Everything—Avoid Fraudulent Conveyance
- 2.4. STEP 4: CREATE A PLAN TO PROVIDE FOR YOUR LOVED ONES
- 2.5. THE SOLUTION? WORK TWICE AS SMART, AND MAKE YOUR MONEY WORK TWICE AS HARD
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2.1. STEP 1: FOR WORLD-CLASS INVESTMENT RETURNS, YOU NEED WORLD-CLASS INVESTMENTS—THE IMPORTANCE OF GLOBAL MARKETS IN THE TWENTY-FIRST CENTURY
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3. AN AGE-OLD SOLUTION TO INSURE YOUR PORTFOLIO: Meeting All the Requirements of the Real World
- 3.1. MEET THE HUMBLE ANNUITY—THE MOST WELL-KNOWN PRIVATE PLACEMENT POLICY
- 3.2. THE EVOLUTION OF ANNUITIES IN THE UNITED STATES
- 3.3. THE BIRTH OF THE VARIABLE ANNUITY
- 3.4. DOMESTIC ANNUITIES EXPLODE ONTO THE AMERICAN MARKET
- 3.5. THE MECHANICS OF PRIVATE PLACEMENT POLICIES
- 3.6. SAVVY AMERICANS DEVELOP A LOVE FOR FOREIGN ANNUITIES
- 3.7. WHY FOREIGN PRIVATE PLACEMENT POLICIES ARE THE BEST SOLUTION
- 3.8. THE KEY TO A GOLD MINE OF INVESTMENT AND CURRENCY DIVERSIFICATION
- 3.9. ONE OF YOUR LAST OPPORTUNITIES FOR TAX-DEFERRED GROWTH
- 3.10. 100 PERCENT FLEXIBLE . . . 100 PERCENT OF THE TIME
- 3.11. UNMATCHED INVESTOR PROTECTION
- 3.12. UNDER LOCK AND KEY
- 3.13. NO SECRECY BUT SUPERIOR PRIVACY
- 3.14. PEACE OF MIND FOR GENERATIONS
- 3.15. TRANSPARENCY OF FEES AND EXPENSES
- 3.16. FROM MEAGER BEGINNINGS, THE MODERN INSURANCE POLICY THRIVES
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4. FINDING THE RIGHT POLICY TO MEET YOUR FINANCIAL GOALS AND SECURE YOUR PEACE OF MIND
- 4.1. THE TOP THREE SOLUTIONS FOR TWENTY-FIRST-CENTURY INVESTORS
- 4.2. POLICY 1: THE DEFERRED VARIABLE ANNUITY
- 4.3. POLICY 2: THE VARIABLE UNIVERSAL LIFE POLICY
- 4.4. POLICY 3: THE FROZEN CASH VALUE POLICY
- 4.5. INSURANCE POLICIES—THE GATEWAY TO STRESS-FREE GLOBAL INVESTMENTS
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5. THE IMPORTANCE OF A JURISDICTION FOR YOUR INSURED PORTFOLIO—PLUS OUR TOP RECOMMENDATIONS
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5.1. LEVEL I JURISDICTIONS: THE MOST STABLE AND MOST PROVEN
- 5.1.1. Switzerland: The Historic Home of Wealth and Tradition
- 5.1.2. Liechtenstein: The Little-Known Nation Offers a Strong Alternative to Switzerland
- 5.1.3. Growing as an Important Part of Europe
- 5.1.4. Isle of Man: Freedom to Flourish and the Creativity to Make It Happen
- 5.1.5. Luxembourg: In the Heart of Europe, a Thriving Financial Center Was Born
- 5.2. LEVEL II JURISDICTIONS: NOT AS STRONG, EQUALLY STABLE—SECONDARY CANDIDATES
- 5.3. LEVEL III JURISDICTIONS: UP-AND-COMING HAVENS AND THOSE WITH FLAWS
- 5.4. THE SECOND PART OF THE EQUATION: SELECTING THE RIGHT COMPANY
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5.1. LEVEL I JURISDICTIONS: THE MOST STABLE AND MOST PROVEN
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6. HEADING OUT INTO THE UNKNOWN WITH CONFIDENCE
- 6.1. AN UNCOMMON SOLUTION ON THE ROAD LESS TRAVELED
- 6.2. OUR TOP THREE PICKS
- 6.3. EXCHANGING YOUR CURRENT U.S. INSURANCE POLICY FOR ONE OFFSHORE
- 6.4. POLICIES MAY BE COMBINED WITH OTHER TYPES OF STRUCTURES FOR BETTER ESTATE PLANNING AND MORE CUSTOM SOLUTIONS
- 6.5. YOUR ROAD MAP ON WHERE TO GO FROM HERE
- 6.6. ONE FINAL BIT OF ADVICE . . .
- A. EXAMPLES OF HOW PRIVATE PLACEMENT POLICIES MAY BE USED: Case Studies
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B. FURTHER RESOURCES AND READING
- B-1: SECTION 7. PASSIVE FOREIGN INVESTMENT COMPANIES
- B-2: IRS SECTION 957—CONTROLLED FOREIGN CORPORATIONS
- B-3: EVERBANK CONTACT INFORMATION
- B-4: DEPARTMENT OF THE TREASURY—INTERNAL REVENUE SERVICE SECTION 8754
- B-5: LIECHTENSTEIN SUPERVISION LAWS
- B-6: IRS FORM 720
- B-7: FOREIGN INSURANCE EXCISE TAX
- B-8: TDF 90-22.1 FORM
- B-9: 26 U.S.C. § 7702—US CODE SECTION 7702: LIFE INSURANCE CONTRACT DEFINED
- B-10: SEVEN-PAY TEST VUL—NON-MEC
- B-11: PREMIUM GUIDELINES
- B-12: LIECHTENSTEIN INSURANCE CONTRACT ACT
- B-13: US LIECHTENSTEIN TIEA
- B-14: IRS SECTION 1035
- B-15: 1035 ASSIGNMENT LETTER
- NOTES
- GLOSSARY
- ABOUT THE AUTHORS
Product information
- Title: The Insured Portfolio: Your Gateway to Stress-Free Global Investments
- Author(s):
- Release date: August 2010
- Publisher(s): Wiley
- ISBN: 9780470575147
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