Your Personal Bank with Ferenc Toth

Ferenc shares his popular annual successful goal setting message!

He shares life-changing ideas on how to identify areas of your life that could use improvement using the Wheel of Life.

Ferenc also shares the 4 steps to successfully accomplish goals.

Many listeners have shared successful goal setting stories over the years that were inspired by Ferenc's message.

Ferenc shares deeply personal triumphs and tragedies that affected his life. This will help you better understand how he comes to his ideas and conclusions.

Officially, there are 53 million foreign-born people in currently in the US. That is about 1 in 7 people.

This is higher both in total number and percentage than the peak of the Ellis Island period.

42 million people currently are on the food stamp program (SNAP). 48% are illegal aliens, 34% are legal immigrants. Neither should be receiving benefits.

Ellis Island immigrants mostly wanted the opportunity of the American Dream.

Millions of current immigrants, both legal and illegal, do not want to assimilate or contribute. They are freeloaders. If an immigrant you cannot afford food, they should go home. Taxpayers should not have to pay for food for people who should not be here.

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.

To win a horse race, you need a fast horse and a good rider.

The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.

The Index Performance Report shows the 1, 5, and 10-year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single-digit returns, while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns.

Index returns are not typically public information. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware that this info is available. Without the index return history, the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.

Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.

Ferenc shares how he can help you increase your index returns 2-10X annually on your index annuity or index universal life policy while eliminating downside market risk.

Nvidia CEO, Jensen Huang, recently stated, "The whole world would've fallen apart" if Nvidia missed earnings expectations. The world economy dependent on one company is not a good thing.

The US State Department has warned that mass migration poses an "existential threat" to Western civilization.

HUD Secretary Scott Turner states mass deportations would have an immediate positive impact on the housing crisis in America.

This is the "Golden Era" of fixed assets. This is the best time in 40+ years to establish an index product! This is due to many factors, including higher bond yields (interest rates).

Index annuities and Index Universal Life (IUL) allows you to:

1. Grow your money safely, without market risk. Principle is guaranteed. Once gains are locked in, they are guaranteed against market loss.
2. Double-digit potential annual returns on good market years with no losses on bad market years.
3. Ability to lock-in gains at any time.
4. Strong fixed interest option. If interest rates remain high and/or increase, you have good options.

1. We are independent and have access to 50+ annuity companies, including all the top carriers.
2. There are 600+ index options.
3. We have proprietary software that provides the one-, 5-, and 10-year historical returns of the index options. There is a wide variation in index returns (0 - 17% average 10-year annual returns). Without this information, an agent or advisor is "flying blind."

Ferenc shares the S&P500 continues to rise despite historically high valuations. As the valuations rise, risk increases. This is driven by emotion, not logic. Index annuities and life provide unlimited upside potential with no downside market risk. The principle is guaranteed. This ensures you never lose money. Gains can be locked in at any time. Also, you can set automatic high and low bands to lock in gains. Ferenc has access to 600+ index options. He has access to proprietary software that includes 1, 3, 5, and 10-year historical returns. This ensures you have the indexes with the highest potential upside and strong track records. Ferenc is typically able to increase index returns 2-4X higher than competitive products because most people do not have the best index options with their index annuity and life products. If you want more info or compare products contact Ferenc at [email protected]. The info needed for a no-cost or obligation comparison quote: 1. Age 2. State 3. Amount considering to fund 4. Email

Ferenc discusses the unprecedented valuations of the S&P 500, noting that 19 of 20 valuation metrics are above historical averages, including the Buffett indicator at 217%, the highest ever recorded. He warns of the AI bubble, citing a Bank of America survey where 54% of investors believe AI stocks are in a bubble. Ferenc highlights the concentration of wealth in tech stocks, with the top five companies representing about 30% of the S&P 500. He emphasizes the risks of market corrections, potential volatility, and the importance of diversification. Ferenc promotes index annuities and life products to continue unlimited upside potential while protecting downside market risk.

Ferenc Toth discusses the potential AI bubble, citing Jerome Powell's belated acknowledgment of asset purchases and the overvaluation of tech stocks, with 55% of fund managers believing tech stocks are overvalued. He highlights the lack of energy to power the AI needs. It is estimated the U.S. will need 70 new nuclear reactors to meet the needs of data centers by 2028. Ferenc also notes the disparity between high and low-income consumer confidence, with the top 1/3 of earners feeling 25% more confident. He advises reducing market risk through annuities and index products, emphasizing the importance of long-term investment strategies and risk management.

Ferenc Toth, a financial literacy educator, speaker, and entrepreneur, discusses the financial strategies and risks associated with the current market. He highlights the importance of understanding financial tools and making informed decisions. He emphasizes the benefits of Your Personal Bank, which offers high cash value policies, and annuities with unlimited upside potential and no downside market risk. He warns of the potential AI bubble, citing high valuations and the risk of a market correction. Ferenc advises on mitigating capital gains taxes through various strategies, including charitable trusts and partial conversions. He encourages listeners to scale out of market assets to subject to market risk due to extreme asset valuations.

Ferenc Toth discusses the impact of the recent federal government shutdown, noting that 75% of employees are essential and 25% are non-essential, with the latter potentially facing termination. He criticizes the federal government's excessive spending, which has increased by 54% since pre-COVID times, despite a 2% population growth. Toth also addresses the AI bubble, citing a Deutsche Bank study predicting a severe correction when the bubble bursts. He emphasizes the importance of reducing market risk and suggests a conservative investment strategy, including annuities and high cash value policies, to mitigate potential losses.

Ferenc discussed the Federal Reserve's recent interest rate cut despite high asset prices, debt, and inflation. He highlighted the dual mandate's counteractive nature and the political influence on rates. Ferenc noted the AI euphoria, with the S&P 500's top seven tech companies accounting for 35% of its market cap. He emphasized the fragility of CPI data, with about a third of the calculations based on estimates. Ferenc shared that current consumer spending is relying on the top 20% of Americans. He also discussed the impact of rising home prices, mortgage costs, and the potential for a recession. He advocated for fixed assets and annuities to mitigate risks.

Charlie Kirk was assassinated. He is a martyr. He was murdered in cold blood because someone disagreed with his ideas.    Charlie was killed because he was effective. This proves the enemy was scared of him. Charlie threatened the left's power.   Our country is at a turning point. We either encourage debate or we go in a really dark direction.   Charlie Kirk stated the reason he debated those who disagreed with him is when people stop talking, they resort to violence.   Our country has been here before. When the South's representatives stopped talking and resigned their positions, that is when the shooting started.  

If you attack people's character instead of their ideas, you are part of the problem, not part of the solution. Be the solution. That is the only way forward.

Ferenc shares the short and long term risks to the current stock market and the overall economy.   Short-term:     - AI Bubble    - Extreme valuations (all-time highs)    - Extreme concentration in a few tech stocks    - Nvidia: about half of sales from only 3 companies   Long-term:     - Higher bond yields caused by government debt and stubborn inflation    - Increased borrowing costs    - Generally bad for stock and real estate valuations  

How do you take advantage of future potential upside while protecting your downside?

Annuities offer unlimited upside potential while guaranteeing the principle against loss. 

- This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

- If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

- Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

Ferenc discusses the parallels between the current tech stock market bubble and the dot-com era, emphasizing the risks of overvaluation and potential corrections. He recounts a listener's 100% return on tech stocks and warns of the dangers of not locking in gains. Ferenc highlights the MIT study showing 95% of companies saw no return on AI investments, and the potential for a severe market correction. He also addresses the Federal Reserve's new inflation target and the implications for interest rates. Ferenc advises on risk management strategies, including annuities and cash value insurance, to protect against market downturns.   Issues & Risks    

• • AI stocks may be in a bubble, similar to the dot-com era.  
• • According to a MIT study 95% of companies investing in AI have seen no financial benefit.  
• • Tech stocks account for 46% of S&P 500, higher than dot-com peak.  
• • Margin debt has surged to an all-time record of over a trillion dollars.  
• • Heavy truck index, a recession indicator, is going down strongly.  
• • Nvidia's valuation is now triple the entire energy sector.  
• • A third of the US economy is in recession or at high risk.

How do you take advantage of future potential upside while protecting your downside?

Annuities offer unlimited upside potential while guaranteeing the principle against loss. 

- This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

- If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

- Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

A recent MIT study found that 95% of companies have received no benefit from generative Artificial Intelligence (AI).   Sam Altman, CEO of OpenAI, recently warned of an AI bubble. Altman compared the current AI frenzy and the 1990's dotcom bubble when company valuations spike dramatically before crashing.   The poster child of the dotcom craze was Pets.com. It was backed by Amazon. Pets.com reached a valuation of $410 million before going bankrupt about a year later.   CoreWeave is an AI company backed by Nvidia. After the MIT study, its stock dropped 33%. CoreWeave's peak valuation was 60x times larger than Pets.com at it's peak.   This is the reason Sam Altman stated that "Someone is going to lose a phenomenal amount of money" and "When bubbles happen, smart people get overexcited about a kernel of truth".   Sam Altman and most tech experts still believe AI will transform the economy in the future.    The problem is AI is currently limited by the shortage of GPU's. Sam Altman stated "We have better models, but we can't offer them because we don't have the supply."   Sam Altman also stated that "trillions of dollars" will have to be invested in infrastructure to scale AI to advance further.   An AI search uses about 10x the computing power of a typical Google search.   This information has caused concern for investors.    I believe that AI will make a significant positive on the economy, but it may take much longer than many investors expect.   With historically high valuations, stock prices may suffer a significant correction before AI can really make a difference.   Is this the beginning of the AI bubble starting to burst? We will know soon.   

How do you take advantage of future potential upside while protecting your downside?

Annuities offer unlimited upside potential while guaranteeing the principle against loss. 

- This is the "Golden Era" of fixed assets. The best rates in 40+ years, insured with guarantees.

- If you own an annuity 2+ years old, I strongly recommend comparing to the newer more profitable products.

- Many of my clients are earning 2-10x increased returns annually than their previous annuity products!

   - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

   - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 17+% with strong upside potential.