Las cosas no cambian; somos nosotros los que cambiamos. HENRY DAVID THOREAU - Tony Robbins

There are not more than five primary colors, yet in combination they produce more hues than can ever be seen. — SUN TZU, The Art of War

We have learned that nobody beats the market (except for a handful of “unicorns”)! And by using low-cost market-mimicking index funds, we can outperform 96% of mutual funds and nearly as many hedge funds.

It is the only financial vehicle on the planet that can give you the following: • 100% guarantee on your deposits.17 (You can’t lose your money, and you keep total control.) • Upside without the downside: your account value growth will be tied to the market, so if the market goes up, you get to participate in the gains. But if the market goes down, you don’t lose a dime. • Tax deferral on your growth. (Remember the dollar-doubling example? Tax efficiency was the difference between having $28,466 or more than $1 million!) • A guaranteed lifetime income stream where you have control and get to decide when to turn it on. • Get this: the income payments can be made tax-free if structured correctly. • No annual management fees.