Protect your retirement from inflation

Market Linked Certificates of Deposit

Is your Money Earning “Minimum Wage” OR “Executive” Interest Rates?

All investors want to get the highest return possible with the greatest safety. Not easy in this world of 1% or less interest rates for savers. Retirement and saving accounts earning <1% in CDs and Money Market accounts are really working for “Minimum Wage” rates. No one works at minimum wage unless that is the only option open to them.

There is Another Option to get “Executive” type interest rates:



These MLCDs have been available since 1987 but generally in larger denominations of $100,000 or more. But due to low interest rates, these FDIC Insured MLCD’s have caught the  investor’s interest. You cannot walk up to your corner bank and tell the teller you want to buy one. These are not sold by the local bank, but go through the Investment Banking Department.

They pay interest once per year based on performance of Stocks or Commodities. These are in a portfolio of 10 stocks or commodities until they mature in 5,6 or 7 years. The MLCDs interest is subject to a CAP(maximum annual interest), with current CAPs ranging from  4%-10% annually. Some MLCDs even offer minimum guaranteed fixed interest in addition to the variable interest. They are even liquid if one needs all or a portion of their investment back due to death or life changes.

The Historical Performance compared to non FDIC insured investments is very good. The first 9 CDs since July 2009, that have paid interest have averaged  5.10% and a recent US issue from Feb. 2011 to Feb. 2012 just paid 9.65%. Of course, past performance is not a guarantee or a prediction of future results.

These are offered in minimums of $25,000 per issue with full FDIC Insurance up to the  maximum of $250,000 per account. They can be used for personal investments as well as in IRAs, SEP IRAs, Pension Plans, Colleges, Charities/Churches, Foundations, Alumni Associations or Home/Condo Owners Associations. They are available in all 50 States.

Fact sheets and a Bank of the West and Barclays brochure are available as well as term sheets for the current offerings.

These MLCDs, are available only though licensed agents, and are offered by Bank of the West, a wholly owned subsidiary of BNP Paribas, one of the top three largest banks in the world and

Barclays  Bank.

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