Many financial strategists have found that the best investment vehicle is in Indexed Universal Life. You can maximum fund an insurance contract and the return that the insurance company credits you is linked to an index such as the S&P 500 or the Dow Jones.

When the market loses YOU DON’T LOSE because your money’s not actually invested in the market. So when the market is down you still receive a 1% or 2% or 3% guaranteed return. If the market has a great year your gain can be up to a cap of 12% or 15%.

In the last 8 years from 2000 to 2008 if you would have invested $100,000 in the S&P for example, during those volatile years you would have lost as much as 14% and 17% in consecutive years. In 2007 even though your account would have rebounded, it would be worth only about $111,000, (a 1.45% average annual return).

With the index strategy you would have received a 1% guarantee in a down market and a 15% cap guarantee in an up market. Instead of $111,000 your account value would be $164,846. That’s $53,400 MORE in just 8 short years (a 7.4% average annual return).