ABOUT S.I.R.E
Securing Insurance
Securing Your Future with IUL Insurance
An Indexed Universal Life (IUL) insurance policy is a type of permanent life insurance that provides both a death benefit and a cash value component. The cash value grows based on a stock market index, such as the S&P 500, allowing policyholders to benefit from market gains while protecting against losses through a guaranteed minimum interest rate. This product helps you make money by accumulating tax-deferred cash value that can be accessed through loans or withdrawals, offering potential for higher returns compared to traditional whole life insurance. Additionally, the policy’s death benefit provides financial security for beneficiaries.
Assumptions:
- Initial investment: $1,000
- Monthly contributions: $500
- Annual growth rate: 7%
- Death benefit: $500,000
- Contribution period: 15 years
Summary:
•Total Contributions: $1,000 initial + ($500 \times 12 months \times 15 years) = $91,000
•Estimated Cash Value After 15 Years: $161,175.76
•Death Benefit: $500,000
This example demonstrates that by investing an initial $1,000 and then contributing $500 monthly at a 7% annual growth rate, the estimated cash value after 15 years would be approximately $161,175.76, in addition to maintaining a $500,000 death benefit.
Investing in Stocks
Grow Your Wealth with Live Trading
• Live Trading Sessions: Participants can join live trading sessions where experts trade in real-time, demonstrating strategies that generate substantial returns. An initial investment account start of $500 is required.
•Stock Market Education: Workshops and seminars that teach participants the fundamentals of stock trading, how to analyze market trends, and make informed investment decisions.
•Stock Market Education: Workshops and seminars that teach participants the fundamentals of stock trading, how to analyze market trends, and make informed investment decisions.
•Portfolio Diversification: Guidance on building a diversified portfolio to manage risk and maximize returns, with a focus on long-term growth.
Assumptions:
• Starting daily profit: $150 in the first month.
• Increase in daily profit: $500 each month.
• Trading days per month: 21.
• Number of months: 12.
Calculation:
1.Month 1:
•Daily profit: $150 •Monthly profit: $150 \times 21 = $3,150
2.Month 2:
•Daily profit: $650 •Monthly profit: $650 \times 21 = $13,650
3.Month 3:
•Daily profit: $1,150 •Monthly profit: $1,150 \times 21 = $24,150
4.Month 4:
•Daily profit: $1,650 •Monthly profit: $1,650 \times 21 = $34,650
5.Month 5:
•Daily profit: $2,150 •Monthly profit: $2,150 \times 21 = $45,150
6.Month 6:
•Daily profit: $2,650 •Monthly profit: $2,650 \times 21 = $55,650
7.Month 7:
•Daily profit: $3,150 •Monthly profit: $3,150 \times 21 = $66,150
8.Month 8:
•Daily profit: $3,650 •Monthly profit: $3,650 \times 21 = $76,650
9.Month 9:
•Daily profit: $4,150 •Monthly profit: $4,150 \times 21 = $87,150
10.Month 10:
•Daily profit: $4,650 •Monthly profit: $4,650 \times 21 = $97,650
11.Month 11:
•Daily profit: $5,150 •Monthly profit: $5,150 \times 21 = $108,150
12.Month 12:
•Daily profit: $5,650 •Monthly profit: $5,650 \times 21 = $118,650
Real Estate
Access Wholesale Real Estate Opportunities
Three Royal Powers
Assumptions:
1. You buy three houses each year for 10 years.
2. Each house requires a 15% down payment, financed by a hard money lender.
3. Each house is rented out for $1,500 per month.
4. There are three partners in the group.
Number of Houses Owned:
•Year 1: 3 houses
•Year 2: 3 houses + 3 houses = 6 houses
•Year 3: 6 houses + 3 houses = 9 houses
•Year 4: 9 houses + 3 houses = 12 houses
•Year 5: 12 houses + 3 houses = 15 houses
•Year 6: 15 houses + 3 houses = 18 houses
•Year 7: 18 houses + 3 houses = 21 houses
•Year 8: 21 houses + 3 houses = 24 houses
•Year 9: 24 houses + 3 houses = 27 houses
•Year 10: 27 houses + 3 houses = 30 houses
Summary:
•Number of Houses Owned at the End of 10 Years: 30
•Total Monthly Rent Roll: $45,000
•Total Annual Rent Roll: $540,000
•Monthly Income per Partner: $15,000
•Annual Income per Partner: $180,000
This example shows that by purchasing three houses each year and renting them out for $1,500 a month, the group would own 30 houses at the end of 10 years. The total monthly rent roll would be $45,000, resulting in an annual rent roll of $540,000. Each partner would earn $180,000 annually, or $15,000 monthly, from the rental income.
Enhancing Credit
Boost Your Credit Score
Low Credit Score (15-20% Interest)
•Loan Amount: $50,000
•Interest Rate: Let’s assume an average of 17.5%
•Loan Term: 10 years
High Credit Score (2-4.5% Interest)
•Loan Amount: $50,000
•Interest Rate: Let’s assume an average of 3.25%
•Loan Term: 10 years
Summary:
•Low Credit Score (17.5% Interest): Total Interest Paid: $49,450
•High Credit Score (3.25% Interest): Total Interest Paid: $12,700
By maintaining a high credit score, you save:
49,450 – 12,700 = 36,750
Conclusion:
Having a good credit score can save you a substantial amount of money in interest payments over the life of a loan. In this example, improving your credit score from a low level to 750 could save you $36,750 over a 10-year period on a $50,000 loan, clearly demonstrating the financial benefits of maintaining good credit.
Let’s project the combined financial impact of following the principles illustrated by SIRE over a 10-year period. We will assume consistent contributions, investments, and income growth each year. For simplicity, we’ll not account for compounding within this example, but we will consider annual contributions and income.
1. Securing Insurance (IUL):
•Annual Contribution: $7,000
•Annual Growth Rate: 7%
•10-Year Projection: We will calculate the cash value at the end of each year and sum them up.
2. Investing in Stocks:
•Annual Earnings: $37,800
•10-Year Projection: $37,800 * 10 = $378,000
3. Real Estate:
•Annual Rental Income: $54,000
•10-Year Projection: $54,000 * 10 = $540,000
4. Enhancing Credit:
•Annual Savings from Improved Credit Score: $3,675
•10-Year Projection: $3,675 * 10 = $36,750
Summary of Total Income Over 10 Years:
1. IUL Contribution Growth: Approximately $96,715
2. Stock Investments: $378,000
3. Real Estate Rental Income: $540,000
4. Credit Improvement Savings: $36,750
Total Income Over 10 Years:
\text{Total Income} = 96,715 + 378,000 + 540,000 + 36,750
Total Income = 1,051,465