Your Personal Bank

The 30-year treasury surged to over 5.5%, the highest level since 2004.

The 10-year treasury exceeded 5.25%, the highest since 2007.

The federal government debt is over $40T and is adding about $2T of debt per year. This is the primary reason why bond yields have been rising since 2022. It will likely continue to increase in the future.

Rising bond yields are making equities less attractive. The extra return stocks typically offer over bonds is near multi-decade lows.

At the same time the S&P 500 is near all-time highs, yet about half of the stocks are declining. The 10 largest companies account for about 40% of the S&P 500. A few massive companies are making the market look much stronger than many stocks are.

The 30-year fixed mortgage hit about 7.5% recently. This increases the cost of a mortgage about 40%.

The average cost to buy a house is about $1,000 per month higher than rent. This is the highest on record.

These are massive economic changes.

Fixed index annuities and high cash value life policies thrive in higher interest rates. They are some of the best financial tools to obtain strong upside gains while eliminating downside market risk.

This is the "Golden Era" of fixed assets. We are experiencing the highest returns in decades. This will likely continue.

Why are fuel prices still climbing, and who's really responsible? On this week's Your Personal Bank Show, Ference Toth digs into the hidden factors driving diesel and gas prices higher, from refinery shutdowns to energy policy decisions. He also breaks down major changes to H-1B visa programs and what they could mean for American workers. Plus, learn why today's financial environment may be creating unique opportunities for retirement planning and protected growth strategies.

The Federal Reserve recently increased interest rates 0.25% recently. This is the first rate increase since July 2023.

The reasons cited were to address stubborn inflation. Inflation is primarily caused by the government spending too much money. This pushes interest rates and long-term bond yields higher.

Also, the Federal Reserve signaled there would likely be another rate hike before the end of week.

This will increase borrowing costs.

The markets reacted negatively. Higher interest rates typically are bad for stocks, the real estate market, and cryptocurrencies.

Fixed assets (CD's, bonds, and index products) thrive in a higher interest rate environment.

This is the "Golden Age" of fixed assets.

Ferenc shares several client examples that have suffered poor performance due to low performing indexes, high fees, caps, and low participation rates.

Some Americans are frustrated that affordability has not improved quicker.

The US has not built a major oil refinery since 1977. Oil prices have remained high primarily due to limited refining capacity. The Trump administration recently announced the first major oil refinery since 1977.

Allowing too many people into our country has created increased prices for food, housing, medical expenses, and nearly every item we purchase. If the immigration crackdown continues, an estimated 15 million foreign-born people will leave the US by the end of president Trump's term.

The affordability issues have been created over decades. Fixing these problems takes time.

Structural changes this significant typically are a result of bloody revolutions. So far, we have gotten off easy.

It is naive to think that enemies of America, the Legacy Media, Globalists, the Uni-Party, Bureaucrats, and Democrats would give up easily.

Ferenc shares an extreme client example that had suffered extremely poor performance due to poor indexes, high fees, and low participation rates.

This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime income

o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

- Tax-deferred growth: pay taxes on gains only when withdrawing funds

Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased

How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products

Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes

Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

The US Supreme Court has allowed the United States Postal Service to require unique bar codes on mail-in ballots.

Ballots will be tracked similar to packages. This eliminates duplicate ballots and will greatly reduce fraudulent ballots.

The USPS does not determine voter eligibility or decides who receives a ballot. They do not open the ballots nor see the actual votes. This eliminates duplicate ballots. The unique barcode on the envelope and on the return envelope ensure the number mailed is not greater than the number mailed out and that the mailing in a ballot is the same person who received them. This will greatly reduce fraudulent ballots.

States retain 100% control over voter registration rolls and eligibility. If states include non-citizens on the voter rolls, there is a paper trail. This creates accountability.

Ferenc shares the frustration many people have with financial advisors/agents not really listening to their desires and solutions to this problem.

Please contact Ferenc at [email protected] or 866-268-4422 for more info.

This is the Golden Era of Fixed Assets

Best index and income annuities available in my 27-year career!

- Highest returns ever seen: 7.5% - 15.5% average annual returns 10-20 years

- Up to 27% signing bonuses are available up to age 89 in most states.

- Highest guaranteed lifetime income

o 8-10% guaranteed annual income increase rollup

o Up to 45% bonus available in most states

Index (growth) annuity

- Strong upside potential gains

- No downside market risk

- Principal guaranteed

- Once gains locked in, become new principal

- Some products: can lock in gains at any time

- Tax-deferred growth: pay taxes on gains only when withdrawing funds

Common Misconception: If you want guarantees, you have to give up strong returns. Not true!

Annuities suffer from perception of poor performance.

If you choose a bad stock, do you blame the entire stock market?

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Wrong Indexes

3. Low interest rates when purchased

How do you avoid poor performance?

Independent agent

1. Access to nearly every product available, ensure best option

2. About 10% of agents/advisors are independent

3. If you met with an agent/advisor and were only shown one or two products, likely not independent

4. Product search: literally dozens of companies and 100's of products

Index Performance Report

- 100's of indexes

- Most poor performers

- Choose strong performing indexes

Ensure Strong Index Annuity Returns

1. Strong performing Indexes

2. No Caps: unlimited upside

3. Low or no fees

4. Strong participation rates: enhance returns

Index Annuity Poor Performance Reasons

1. Caps and other limits

2. Indexes with historical low returns

3. Low interest rates when purchased (2022 or earlier)

Who should contact me:

1. Own or considering annuity with caps (less than 10% annual caps)

2. Suffering low returns (likely poor performing index)

3. Purchased annuity 2022 or earlier