Saturday, December 27, 2008

Universal life policy - risk free investment

This year has been like a hurricane for all investors. Financial sharks, looking for the high profit on the stock markets, suffered heavy losses (or at least most of them).

On the other hand, also conservative investors have lost big part of their portfolios' value. High quality blue chips, real estate - all these sectors have reported declines. As a small investor, looking for simple, risk-free solution, what should you do?

The simplest answer is - nothing. But be aware the inflation in Canada is around 2% and with possible increased government spending next year (due to car industry bailouts) and
possible commodities (especially oil) prices growth may go even higher. So the value of your money is slowly disappearing.

Another solution is to use services of a traditional bank. Unfortunately (for savers), Bank of Canada cut interest rate down to 1.5% (50 years low) and since its big brother FED is holding the key indicator near zero, it's not probable the rate will go up soon. This means your money are in negative real growth even in bank.

But there is one solution, with tool not bounded to the financial market. It's life insurance Canada universal life policy. You can find this product in most offers of Canadian life insurance companies. Base is tax sheltered, so you have guaranteed, risk-free minimal growth of 4%!

You can hardly find similar simple, safe opportunity in these days. Check our site for the offers.

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