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What, exactly, are endowments? Well, unless you live in the UK & Ireland or perhaps India, you probably needn't concern yourself with this particular investment vehicle, although many countries do offer it, and you would benefit greatly from investigating. Very popular in the past two decades (that would be the 80s and 90s for the younger-than-30 crowd), endowment policies had every reason to be at the forefront of the investment tide, because of the promise they held. For example, take an endowment mortgage: instead of taking out a huge mortgage on a house and being responsible for the whopping monthly payments, the existence of the endowment policy allowed you to purchase an interest-only loan on the mortgage, as well as a policy, and pay just the premiums on the endowment policy and the interest on the loan. This always turned out to be substantially lower than the monthly payments on the mortgage would otherwise be, usually by more than half. The real question that those of who are old enough to understand that there's no such thing as a free lunch are now asking, is how the heck do they manage that!? Money Multipliers Endowment policies are able to accomplish this because they are, in fact, little different from mutual funds. And as even the novice investor knows, the hallmark of a mutual fund is diversification - spreading your stock investments out over several companies to reduce the risk of taking a big hit if one of them goes down - and the history of consistently outperforming some standards of the stock market as a whole, such as the S&P500 (which is sort of a mutual fund, itself, as well as the standard against which all mutual funds are measured. If they can't beat the old S&P, then there's really no reason for their existence and they fade away). In short, they tend to grow each year, more than any other investment vehicle except individual stocks that might happen to soar. This, then, is your answer as to how the endowment policy can potentially accomplish so much, with so (relatively) little. So, What Happened?! Sadly, the inherently lucrative endowment policy depends very strongly on just one thing: the rate of inflation. Now we all feel the pinch when inflation is high, and that $3 dollar gallon of milk now runs that and some change. However, in order for an endowment policy to really give you great returns, it needs exactly that: high inflation. It rather has that in common with shorting stocks, in a way - bad times for everyone else could be good times for you. As the high inflation during the time of their popularity started to dwindle, so did endowment mortgage promises. This, combined with the ugly and widespread occurrence of endowment mis selling, as practiced by many financial advisers in the employ of banks and insurance companies, led to most people not realizing their gains. Despite all this, it is important to realize that it doesn't make endowments, themselves, bad
Slide 2: options; just, (as with any other investment option, of course) BE CAREFUL!! Hook up with a seasoned and reputable adviser, one who will give you accurate projections as to what to expect in the long run. Many wise investors have reaped tremendous gains from endowment policies, and you have every ability to join their ranks. Drop by and peruse the Best Endowment Policy Headquarters today in order to inform yourself about the possibilities.
Christina Thomas has become something of an insurance "expert" (that is, unless she runs into a real expert!) in the last few years, as she prepares to face life after grad school. Her extended family was a victim of mis selling in the UK a couple of decades ago, when she was too young to understand the pitfalls of the uninformed investment. Endowments can make wonderful investment vehicles for the well-informed. Stop by an learn about the opportunities endowment policies provide today, and secure your family's future!
Article Source: http://EzineArticles.com/?expert=Christina_M_Thomas
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