Investment Strategy Comparison Software.

This is the only investment software that with simple input, properly compares 23 of the most common methods of investing apples-to-apples with each other.

With this, you won't have to believe everything you read, nor take anyone's word about things like: Roth IRAs are better than traditional IRA/401(k)s or the tax benefits of whole life, or any kind of annuity, will make up for the enormous costs and lack of liquidity.

Looking at the demo will help you understand all of this before investing, without even buying the investment software.

This is the only investment software ever created that allows you to compare the long-term effects of all of the most popular ways to invest, apples-to-apples with each other. See for yourself how traditional wisdom, and what you've known for the decades, has been wrong.

The proof is finally in the numbers, flow so well and are so transparent, that anyone can figure out what's really going on. Prepared to be shocked!

This is also the only financial tool that will allow you to write dozens of articles annually in the financial press about:

▪ Which method of investing is best compared to others.

▪ Why Roth IRAs and life insurance company products are not as good as touted.

▪ How much more money you'll have by investing in tax-qualified plans (IRAs).

▪ The long-term impact of mutual fund fees and expenses.

▪ How much more money one needs to invest in one way of investing to keep up with another method.

▪ And much more.

You can refute and rebut an article someone else wrote every week, because others are just making things up and guessing, and you'll have the only financial software that will give you true numbers. So if you like writing financial articles, this is a dream come true.

With simple input, you can see the long-term differences in all of the following methods of investing:

▫ Whole Life Insurance (e.g., VUL) vs. Buying Term Life Insurance and Investing the Difference

▪ Tax-Qualified No-Load Mutual Fund

▪ Tax-Qualified A-Share Mutual Fund

▪ Tax-Qualified B-Share Mutual Fund

▪ Tax-Qualified C-Share Mutual Fund

▪ Tax-Qualified Individual Securities in a Brokerage Account

▪ Roth IRA No-Load Mutual Fund

▪ Roth IRA A-Share Mutual Fund

▪ Roth IRA B-Share Mutual Fund

▪ Roth IRA C-Share Mutual Fund

▪ Roth IRA Individual Securities in a Brokerage Account

▪ Non-Qualified No-Load Mutual Fund

▪ Non-Qualified A-Share Mutual Fund

▪ Non-Qualified B-Share Mutual Fund

▪ Non-Qualified C-Share Mutual Fund

▪ Non-Qualified Individual Securities in a Brokerage Account

▪ Non-Qualified Bank CD/Money Market

▪ Tax-Qualified Bank CD/Money Market

▪ Roth IRA Bank CD/Money Market

▪ Qualified Variable Annuity

▪ Non-qualified Variable Annuity

▪ Employer Matching 401(k) or 403(b)

▪ Fixed Annuity

▪ And with proper use of the input fields, directions, and manual overrides, you can compare anything with anything, with unprecedented accuracy. No more guessing when it comes to making critical long-term investing decisions.

It also shows all of the mutual fund/brokerage account loads/commissions/fees/expenses as an annual percentage of both the money invested, and the end-of-year market values. In other words, the total costs of each of these different ways to invest over time. No other investment software even comes close to showing the true costs of investing, both in dollars, and percentages.

It has 24 graphs that show all of the presentation results graphically.

The goal of this product is simple: Truth in investing! Finally, somebody made investing software so you can see exactly what the long-term results of investing a certain way will be. No more hoping that the nebulous promises made by the financial services industry will come true. You'll be able to see for yourself, and then will be able to make informed decisions so you can invest in the manner that's right for you. Not only that, you'll be able to object to financial salespeople with obvious, indisputable, facts when they make their "unbiased recommendations."

Nobody has ever even attempted to do this right before. Why? First, it's just too hard to properly account for all of the millions of details; like tax basis, fees, commissions, multiple tax rates at the same time (capital gains, ordinary income rates, and dividend rates all before and after retirement), withdrawals, contributions, etc.

Next, it would be a monumental effort that would take a team of the usual software engineers working with a team of the usual financial experts over a year to program. The cost of doing this the usual (non-MS Excel) way would be around $100,000.

Then when they try to market it, they'd find they're just going to be making their usual customers mad (financial planners and life insurance agents that live or die by overselling life insurance company products and touting Roth IRAs).

So when they see the difficulty and cost of making the product, and then compare it to the difficulty and profit of selling it, they just say no.

Whole life insurance never beats term life insurance combined with investing the difference in good no-load mutual funds, even after the tax sheltering benefits. The same is true for ALL life insurance company products - including all forms of annuities and Second-To-Die policies. Why? There's several reasons, but the two most important are:

1) Most all subaccounts (the actual mutual-fund-like investment vehicles one actually invests in) have pathetic long-term performance.

2) ALL life insurance company products have layers of fees on top of commissions on top of fees on top of more commissions on top of even more fees. When you add them all up, they are several times higher than no-load mutual funds.

Next, if personal finance software vendors are even surviving in this environment (around a dozen have recently went under and had to be bought, including the almost half-century-long industry icons, Financial Profiles, Ibbotson, and MS Money), it's because they've had huge infusions of capital from the big life insurance companies (Financial Profiles and NaviPlan). So these folks do not want you to know the truth about investing in life insurance company products.

Last but not least, Roth IRAs are definitely not what they're all cracked up to be. The long-term results using traditional IRAs are much better.

Now you can input any scenario you want to, and see the actual results. The reason everyone says that Roth IRAs are the best invention since the wheel, is because nobody has ever done a proper apples-to-apples comparison that accounts for all of the details. Plus this is how they make their money.

There are several products like this on the market, but they're mostly distributed by big life insurance companies (for free), which means they don't account for any of the details, and thus are heavily biased toward selling their products. The more detail you account for properly (especially in non-qualified mutual funds), the less attractive life insurance company products become.

This product will account for EVERY detail. Not only that, it's so transparent that anyone can track every number down to see where it came from. No more hype, confusion, or mysteries; just the Real World results. The details that explain everything are in the directions.

This is a must have product for fee-only and fee-based financial advisors that compete with commission-based advisers and life insurance agents. All you need to do is run the numbers, comparing the difference between what you want to do with client monies and what they want to do with it, and you'll win every time.

Why aren't you taking advantage of this? Send e-mail and if you have an interesting reason, then you may get a freebie.

To download the demo, right click on the link below, and then choose "Save (Target) As..." to save to your hard drive. Then find it and open with Excel. Please note that due to Microsoft indifference, if the colors don't look great, it's because they didn't care to bother with color compatibility between versions. You'll get a spreadsheet with good colors when you buy. Answers to frequently asked demo questions and how to use demos

Download the 3Mb Investment Comparison demo (The actual program is 6Mb)

Demo Showing Buy Term and Invest the Difference

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