Bank On Yourself Grows Steady Wealth While Stock Market Rises and Plummets

Lamy, (PressExposure) April 14, 2009 -- Traditional stock market investments are often touted as fairly safe - even low risk. But how does the everyday guy with a couple of bucks to invest find answers to complicated Wall Street questions? In Bank On Yourself, Pamela Yellen debunks myths and connects the dots.

"No other savings, financial planning, or retirement planning method - at least none I've ever heard of - can offer this combination of growth, guarantees, and protection," explains Yellen. "Not stocks, or bonds, CDs, real estate, mutual funds, gold, commodities, or currency."

That may appear as a striking statement. But Pamela and her husband invested a decade and nearly a million dollars with investment experts to learn this expensive lesson.

As for the market: Making money in stocks is anything but a walk in the park. The only thing for certain in the stock market is ups and downs. Market fluctuations often do not match up to the investor's hope. In fact, studies show that the typical equity mutual fund investor has lost 1% a year over the last 20 years, after adjusting for inflation.

In 2008, the third worst year in history for the stock market, all Bank On Yourself plans received their contractually guaranteed increase, plus a dividend. In contrast, stock market investors have no way to predict the value of their investment and no promise of an increase in any given year.

"Money invested in the stock market grows unpredictably, can stall for lengthy periods of time, and can plunge just when you planned to tap into your funds," Yellen points out. "You can lose part or all of your gains in a market downturn."

Yellen writes that with Bank on Yourself there is no loss of principal in a market downturn. All gains credited to your plan are locked in and don't disappear when the market tumbles. With stocks and mutual funds, part or all of this can be lost in a market correction.

With Bank On Yourself, one can borrow equity without selling assets, and the plan will continue to grow just the same. Also, Yellen states, a plan owner knows the minimum annual income that can be extracted from a plan, and for how long. Any dividends credited to the plan, on top of the annual guaranteed increase, raises the amount that can be taken from your plan. "That frees people from worrying about the best way to invest money ( ) and lets them focus on other more fun things in their lives," Yellen says.

In stocks and mutual funds there's no way to predict the value of an investment in 10 years, 20 years, or whenever one hopes to retire. Market crashes, either before or after retirement, can undermine best-laid plans.

"The Dow and S&P 500 are back where they were more than a decade ago. Most investors would have made just as much if they'd stuffed money inside a mattress and skipped all the nail biting and sleepless nights," says Yellen. "With Bank On Yourself, you get guarantees that you don't get with traditional investments ( ). While another plan may yield more funds early on, a Bank On Yourself plan ramps up and leaves other financial vehicles in the dust."

Bank On Yourself is available in book stores or visit

About Pamela Yellen:

Pamela Yellen has written numerous articles and been featured in hundreds of publications, including USA Today and Fortune Small Business. She is a professional speaker who has addressed more than 1,000 audiences throughout the US, Canada, Asia and Europe.

As a business consultant to financial advisors since 1990, Pamela investigated over 450 financial products and strategies and ultimately concluded the American public has been brainwashed into believing they must accept risk, volatility and unpredictability in order to grow a sizable nest-egg.

She is dedicated to educating the American public about Bank On Yourself, a powerful, proven, but little known strategy that has existed for more than 100 years.

Pamela Yellen, Bank On Yourself

Contact: Pamela Yellen Bank On Yourself 39 Vista Estrella South Lamy, NM 87540 1-888-792-7407

About Bank On Yourself

She is dedicated to educating the American public about Bank On Yourself, a powerful, proven, but little known strategy that has existed for more than 100 years.

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Press Release Submitted On: April 13, 2009 at 6:20 am
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