MASTERCLASS: THE SHADOW BANKER'S SECRETS
ADAGIO INSTITUTE, INC.
MONEY AS DEBT
A 501(c)(3) Public Charity
ADAGIO INSTITUTE, INC.
A 501(c)(3) Public Charity
THE SHADOW BANKER'S
MARKET CRASH SURVIVAL GUIDE FOR ANNUITY INVESTORS
What's Hidden Behind the Risk-Free Guarantee?
THE SHADOW BANKER'S MARKET CRASH SURVIVAL GUIDE FOR ANNUITY INVESTORS
What's Hidden Behind the Risk-Free Guarantee?
Grant Cardone
If you’re unfamiliar with annuities, they work like this: you give an insurance company your money and in return they pay you an income stream… usually for the rest of your life.

But the cost of such guaranteed income is high… very high.

With some annuities, if you die before you’ve received all of your money back, that could be too bad… the insurance company may keep the remainder of your money.

Ever wonder why financial salesmen push annuities so hard? Annuities pay extremely high commissions… often 7% of the total amount you invest, or higher. So, if you were to buy a $200,000 annuity, the salesperson may take home around $14,000 up front.

To add insult to injury, let’s say you take out an annuity and your circumstances change… you need the money urgently. If you’re still within the surrender period, it’s going to cost you… a lot.

A typical surrender period is seven years with the surrender charge starting at 7% and falling by 1% per year.

So, why do people even consider annuities?

Well, they provide downside protection… if the market takes a hit, your principal is guaranteed against losses… but the cost of that protection far outweighs the benefit.
It’s true that if the market falls 20%, you won’t lose any principal with an indexed or fixed annuity, but if the market soars 20%, you may make as little as 4%… and that’s only if the insurance company remains solvent, which is not guaranteed… remember AIG in 2008? If you don't, they had to be bailed out with TARP.

Of course, there are countless different types of annuities with an endless combination of features, but for every bad feature you eliminate with one type, you'll pick up a different bad feature with another.

All these problems were highlighted in 2016 when new fiduciary rules were passed by the Department of Labor stating that brokers have to put their clients’ best interest ahead of their own. As soon as the fiduciary rule was passed, the sales of annuities fell 8%… they fell an additional 18% in the first quarter of 2017.

While it is true that annuities might be appropriate for some people in some circumstances, there are probably better options to consider.

As the industry saying goes, "Annuities are sold, not bought.”

Don’t be sold.

The Shadow Banker's Market Crash Survival Guide reveals how to how to protect your investment portfolio from market crises while generating above-market returns without buying mutual funds, annuities or real estate:
  • Generate Strong Investment Cash Flow (7%-8% Fixed Income with Very Low Risk) and/or Growth (25%-30% RAP) That Won't Take a Hit from Market Crises (Like 2008)
  • Definitively Evaluate Investments by Accurately Measuring Their Risk
  • ​Access Exclusive Institutional-Grade Private Investments Without Having to Be Accredited
  • ​Quickly and Compliantly Raise Unlimited Capital for Your Investment Portfolio
Dr. Edwin Vieira, Jr., A.B. (Harvard College), A.M. and Ph.D. (Harvard Graduate School of Arts and Sciences), and J.D. (Harvard Law School)
5 MINUTE PRESENTATION (TRANSCRIPT AVAILABLE BELOW)
FREE Video Case Study: Benjamin D. Summers
on How to Beat the Banking System
FREE Video Case Study: Benjamin D. Summers
on How to Beat the Banking System
  • Generate Strong Investment Returns That Won't Take a Hit from Market Crises (Like 2008)
  • Definitively Evaluate Investments by Accurately Measuring Their Risk
  • ​Achieve 7%-8% Fixed Income Returns (That Beat Inflation) with Very Low (Treasury-Level) Risk
  • ​Access Exclusive Private Investments Without Having to Be Accredited
  • ​Quickly and Compliantly Raise Unlimited Capital for Your Investment Portfolio
5 LESSONS
5 LESSONS
Ben teaches the proven techniques of Wall Street for raising unlimited, low-cost capital as an institutional-grade fund manager in over 2.5 hours of video lessons and downloadable slides.

This unprecedented masterclass reveals the secrets Ben discovered over his 10 plus years of experience... a period that saw him generate returns in excess of 30% in 2008, the year of the financial crisis.

You'll learn how to structure investments and portfolios that not only maximize your returns but also protect you against the risk of market cycles... allowing you to serve the trillions of dollars held by retail investors starved for low-risk yield.

As an investment manager or real estate entreprenuer, you'll learn how to compliantly raise unlimited, low-cost capital without having to ask fo it.
INVESTMENT QUALITY CALCULATOR
INVESTMENT QUALITY CALCULATOR
Only available through this masterclass, the investment quality (or risk-adjusted performance) calculator allows you to evaluate and price your investments like the big banks and to confidently pick the best investment every time without having to do the math yourself!

The calculator measures both the risk and expected return of investments to let you easily rank them... from stocks to hedge funds to real estate.

It also enables you to price your own investment offerings. With over 10 Wall Street investment performance metrics [including Alpha (α), Sharpe Ratio, Omega (Ω) Ratio, Illiquidity Premium and many more!] for financial professionals and a color-coded rating for non-professionals.

This calculator is a must-have for every investor!
 Risk-Adjusted Performance Calculator Output  (Demo)
$90
LIFETIME
ACCESS
TAKE THE SHADOW BANKER'S SECRETS MASTERCLASS
BEN SUMMERS TEACHES
INVESTMENT BANKING FOR ALTERNATIVES
To get started, let us know what type of firm you work for. Select the option you identify with most:
BEN SUMMERS TEACHES INVESTMENT BANKING FOR ALTERNATIVES
To get started, let us know what type of firm you work for. Select the option you identify with most:
Broker-Dealer / Investment Bank
Registered Investment Adviser (Multiple Retail Clients)
Family Office, Endowment or Pension Fund
Insurance Agency, Real Estate Brokerage, IRA Custodian, Fund Administration, Accounting, or Law
Alternative Asset Manager / Sponsor / Wholesaler (e.g. Real Estate Syndicator, Hedge Fund Manager)
Regulatory Body / Trade Association / Due Diligence Firm (e.g. SEC, FINRA, CFA Institute)
Other / Retail Investor
N/A: I Want to Become My Own Bank & Create Capital
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CUSTOM JAVASCRIPT / HTML
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