Why 401k's Will Be Non-Existent in 10 Years Or Less

Online, February 15, 2011 (Newswire.com) - Hyper inflation may be upon us in the United States. With more politicians and policies set to borrow cash from the federal reserve. The more it under values the American dollar. But what does this mean to Americans who have 401k's and other investments for retirement. They have placed hard earned dollars years ago, only now to have to pull them out for retirement. Unfortunately, these dollars are not the same value as they were 10, 20, or 30 years or more.

Hyper-inflation seems to have hindered the dollar and it's investments.

Read the report from Felicia regarding your 401k's and what may be your next step to avoid losing your 401k.

"It is a frightening time right now. Especially if you are looking for a secure retirement. In fact, many Americans are finding their retirements becoming non-existent."

"One main reason retirement money and 401K plans are diminishing is because of inflation and the value of the dollar in today's economy. It's no surprise that the U.S. continues to spend money. The reaction of this madness is the U.S. losing it's value. This means, your hard earned cash 5 to 10 years ago you invested is being devalued. It's becoming non existent."

"Their are safer investments now during this economic crash. But their is only a limited time to start securing your future. At this point in time, America is in process to begin the largest wealth transfer we have seen since the great depression. More on this in just a moment."

"For now, read over the 6 problems with your 401K Plan you must know about:"

"Over the past quarter of a century, 401(k) plans have evolved into the dominant retirement plan scheme for most U.S. workers. While many improvements have been made to the structure and features of 401(k) plans since their creation, additional problems still need to be addressed, and various enhancements still need to be made. Let's look at six problems with the current 401(k) plan structure, and then discuss how you can mitigate the negative implications of these known fallacies."

"1. Structural Flaws Associated with Investing Contributions
You have probably been told that investing your money through a process known as dollar cost averaging will allow you to prudently build your retirement nest egg over time. Unfortunately, while this concept may be true when the market is expected to trend up over time, it is not true when the market is oscillating in a relatively flat manner, nor is it true if the market is trending down. Therefore, while it may make sense for you to buy more and more shares of an asset that is increasing in value, this philosophy does not make sense if you are buying an asset that is fully valued or one that is decreasing in value."

"Sadly, you may have bought into the concept of dollar cost averaging because it was explained to you as a prudent investment methodology. Unfortunately, dollar cost averaging is simply a convenient solution to address the manner in which contributions have to be channeled from your employer to your investment funds in your 401(k) plan."

Read more on her post on losing your 401k in 10 years or less.

Hard earned cash may not be equal value to what it was when you invested it 10 years ago. With structural pitfalls with the 401k and more importantly, the inflation of the dollar. Americans may have hard times ahead of them.

Although, it's a scary time. Their are other alternatives proclaimed that work well by 1800InsuranceToday.com. They explained unique situations available for couples who lost their jobs to now become financially free in just one year. The act of saving and knowing which assets one should be involved with is crucial as they explain life insurance as a investment that pays you monthly.

1800Insurance.com explains that this period which we are going through has been gone through before. Almost as history repeating itself. It would be the largest wealth transfer of it's time as stated by them.

The question arises, how would one be financially secure during a time when the dollar seems to be diminishing?

1800InsuranceToday.com explains the concept of "Infinite Banking" and how to leverage your life insurance as your own personal bank.

Read the report below:

"Many of the super rich are leveraging cheap life insurance policies to create their own banks. Wait... before you believe you need to be a Rockafeller to do this concept. You Don't!!"

"Life insurance policies have been used by the ultra rich for years receive tax free retirement. Not only that, you can secure your financial future having your life insurance pay you month after month. Even today, many Americans do not understand this concept. It's important you do so you can get the correct life insurance policy for you and your family."

"Turning Your Life Insurance Into Your Bank"

"You probably don't sit around calculating how much interest you pay to banks and other lenders each year, but chances are you have financed large purchases, such as homes, education, cars and major appliances ."

"The interest paid on these items can add up to hundreds of thousands of dollars, perhaps more, in the course of a lifetime. People often have to decide how much money to allocate for their retirement and how much to paying down current debt."

"But what if it were possible for people to save for retirement in a vehicle that allowed them to finance their life in a way that provided advantages over borrowing from a bank or lender?"

"That is exactly what R. Nelson Nash had in mind when he pioneered the Infinite Banking Concept. In essence, Infinite Banking, and other similar systems adapted from Nash's original idea, involves paying into a whole life insurance policy with an insurance company that allows policy holders to take loans collateralized on their individual policies."

Continue reading how to leverage life insurance as your personal bank and learn the "infinite banking concept.

It appears to be a scary time. Yet, Felicia Waters claims it is not if you know how to secure your financial future. Her dinner chats with the super rich has called her to share these unique methodologies. She has been helping average American households to identify and take advantage of the infinite banking concept. She helps families acquire unique life insurance policies to have them receive compensation every month.

Read about Felicia's unique methods on leveraging life insurance policies to get paid monthly.