Good Investing involves recognizing value today and benefiting greatly from it tomorrow.

Retirement

As people age the realities of Retirement Security gets louder and louder. True Retirement Security is a plan that seeks to foresee situations as best as possible.  Unfortunately many are nearing retirement without adequate monies in place. For many being young and energetic about working and living makes one vulnerable to brushing off early retirement planning because the feeling is “I have a lot more work in me or I have time to burn”. There could be nothing further from the truth. However the most important thing is once one realizes that starting now is always better than starting later one can now proceed with a plan. Creating a retirement plan is easier than one might realize and whether the steps are small or large, a step is a step.

Some retirees are understandably cautious about taking on new investments with their nest egg when they are satisfied with the standard 10% to 12% annual return. But by not diversifying and seeking new opportunities they run the risk of not keeping pace with the current inflation rates of 8% to 10% which only provides a 2% to 4% annual return. Or for every $100 you have at risk you get only a $2 to $4 return. Inflation and loss of your buying power is real. Also unlike Coalesce Point’s Principal Guarantee feature most other investments contain a risk of total loss of the principal. Coalesce Point is here to provide everyone of any income level and at any stage of their life the high yield benefits that can ensure a good and enjoyable retirement.

Everybody’s financial situation differs from one another but on a general level it is calculated that every married couple needs at least $500,000 by retirement either in cash and/or in stable liquid investments by the time they reach age 60. This breaks down to $1,700 per month or just over $20,000 per year for 25 years if based on a departure age of 85.  At this cash position level the expenses and income might look something like this.

Conclusion
This couple will be able to live debt free, save, travel and give away money until and after they depart.

Conclusion
This couple (or one) will have to either work late into their 60’s to get max social security and cut back on other expenditures until they pay off their mortgage.

Conclusion
This couple will be able to retire at 60, live debt free, save, travel and give away money until they depart.

Assumptions
-Pensions may or may not be available. Investment value assumed constant with no potential for loss and guaranteed to be available..
-Social Security assumed to pay $1,500 per month per individual. See your Social Security Brochure to calculate your credits. Please keep in mind that other sources of income may reduce your SSI payout.  In general the more you make, have or receive (gifts) the less social security pays.  The maximum income for an individual is $2,000 per month and $3,000 for a couple.  Source Social Security Handbook document 2166.
-Cash savings of $54,000 divided over a 15 year period providing $300 per month.
-Mortgage assumed to have a remaining 15 years until payoff from by retirement (age 60) for a total payoff by age 75..
-Coalesce Point Funds (column 3) investment assumed at an annual rate of 150% on a $10,000 investment yielding a total return of $105,000 or $15,000 per year for 7 years.

Conclusion
In conclusion no matter what age you start at a high yield investment plan is really the most feasible solution. In traditional investments where there is much reward there is much risk. With Coalesce Point high yield asset secured investments, The Principal Guarantee and the 7 ways to wealth features you won’t have to worry about the daily value of your investments and your retirement can be an enjoyable one..

Retirement FAQs (Frequently Asked Questions)
1. How safe is my investment?
2. When will I start to see a return?
3. What are the risks involved?
4. Can I transfer my investment to someone in the event of my departure.
5. Can I reinvest and how long do the rates last.
6. What are the fees of the Fund?
7. Is there a penalty for early withdrawal?
8. Can I redirect a portion of my current retirement funds to Coalesce Point?
9. How do I get started?
For other answers to questions about the Fund please see these FAQs.

1. How safe is my investment? Very safe.  When you invest in Coalesce Point Funds you hold claims (liens) against the gross revenues of the Fund you invested in.  In addition to this The Principal Guarantee locks your investment into the surpluses of the revenues of the other Funds within the Coalesce Point family of Funds for an even stronger guarantee.  Intellectual property investing is more secure than any other investments because of its multi company licensing and monopoly structure which diversifies your investment gain potential through multiple avenues.

2. When will I start to see a return? Each Fund has a different account opening date ranging from 6 months, 9 months or 12 or more months from investment. When an account opens this means that any generated revenues from the Fund go to your account based on your Investment Point.  All returns are locked in to the gross revenues of each Fund.

3. What are the risks involved? The structure of Coalesce Point’s IP (Intellectual Property) investment format is to allow any size Investor to get in at the beginning (ground floor) of market viable products, services and technologies. Before any Fund is opened to the public it is studied and assesed whether it is both functionally and market feasible.  After patent pending, patent, trademark or trade secret execution it is put into a Fund.  The main goal of securing Intellectual Property rights is to ensure that the Investors in each Fund receive the maximum market protections and thus maximum revenues from their investment.

4. Can I transfer my investment to someone in the event of my departure? Sure.  You can set up and change at any time percentages of the debt that is owed to you by the Fund to anyone or entity you wish.

5. Can I reinvest and how long do the rates last? You can reinvest at anytime so long as each Fund is opened to the public.  Each Fund is based on a limited time rate offering and limited shares at given interest rates which both can change at any time without notice (sometimes a notice will be emailed out, so you should get on the e-mail list). The day you invest is the day you lock in the interest rate posted.

6. What are the fees of the Fund? There is only a one time $45 administrative fee for all new Investors in each Fund and a $25 reinvestment fee for any returning investors in each Fund. There are no other fees in the Fund. (Certain transaction fees may apply for each type of withdrawal.)

7. Is there a penalty for early withdrawal? No. Once the Fund pays your account (accounts are held in U.S. Treasury Notes and F.D.I.C. member banks) you can access your money for withdrawal. (Standard transaction fees may apply.)

8. Can I redirect a portion of my current retirement funds to Coalesce Point? Sure.  For security and investor protection purposes Coalesce Point does not get directly involved in the transference of monies but requires that you initiate the transfer yourself.
 
9. How do I get started? Please read the Investor Brochure and the Investment Certificate and click here.  For answers to other questions click here.
 

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