{"id":240,"date":"2012-10-04T17:47:36","date_gmt":"2012-10-04T17:47:36","guid":{"rendered":"http:\/\/www.apisbull.com\/blog\/?p=240"},"modified":"2012-10-04T17:47:36","modified_gmt":"2012-10-04T17:47:36","slug":"a-trick-that-could-put-millions-into-your-retirement-account","status":"publish","type":"post","link":"https:\/\/www.apisbull.com\/blog\/?p=240","title":{"rendered":"A Trick That Could Put Millions Into Your Retirement Account"},"content":{"rendered":"
How would you like to have $113 million dollars in your retirement account, all waiting for you to withdraw at retirement tax free?<\/span><\/div>\n

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That\u2019s the amount some people\u00a0has in their Individual Retirement Account (IRA).\u00a0<\/span><\/div>\n

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And even though the IRS isn\u2019t all that happy about it there\u2019s nothing they can do (except chafe). \u2018Cause what some people do is perfectly legal.\u00a0<\/span><\/div>\n

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We\u2019ll tell you how they did it, and how you, too, could set yourself up for a huge retirement windfall by using a little trick the IRS doesn\u2019t want you to find out about.<\/span><\/div>\n

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It\u2019s one of the many strategies we\u2019ve uncovered for our members in our new Wealth Blueprint.<\/span><\/div>\n

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Don\u2019t Retirement Accounts Have Limits?<\/strong><\/div>\n<\/div>\n

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Now (traditionally speaking), it should be nearly impossible to build up $113 million in an individual retirement account. At least that\u2019s the way the government planned it.<\/span><\/div>\n

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When the US Congress passed the law allowing Individual Retirement Accounts (IRAs) in the mid 1970\u2019s, they put strict limits on the annual contributions you could make.<\/span><\/div>\n

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You could only put $1500 per year into the account (or 15% of your household income – whichever was less). You could deduct any IRA contribution from your taxable income… and taxes on gains within the fund were deferred until withdrawal (usually at retirement).<\/span><\/div>\n

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If you had started an IRA back when they first started and put away the maximum each year <\/span>and if you somehow managed to earn a steady 6% interest per year, you\u2019d have around a quarter million dollars today.\u00a0<\/span><\/div>\n

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Not bad. But you\u2019d hardly be \u201crich.\u201d<\/span><\/div>\n

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Back in 1974, the government felt that was a great deal for the Middle Class. We were supposed to thank them profusely. After all, no middle-class citizen should need (or want) more than a quarter million dollars!<\/span><\/div>\n

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The reality was, Uncle Sam didn\u2019t want the middle class to become rich off these retirement accounts. Just satisfied. That\u2019s how they designed it.\u00a0<\/span><\/div>\n

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Plus, they knew they\u2019d get to tax your \u201cprofits\u201d once you retired.\u00a0<\/span><\/div>\n

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But that changed in 1997 when Congress introduced the Roth IRA as part of the Taxpayer Relief Act.<\/span><\/div>\n

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The Roth IRA still had contribution limits (raised to $2000 per year).\u00a0<\/span><\/div>\n

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The big difference was that you paid tax on the money before you put in…<\/span><\/div>\n

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…but \u00a0when you withdraw that money at retirement (including profits), you take it out completely tax free.<\/span><\/div>\n<\/div>\n

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The Hidden Power of the Roth IRA Revealed<\/strong><\/div>\n
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Roth IRAs became a big hit. And a new group of young, savvy, dot-com investors found a lucrative loophole that has allowed them to bank millions of dollars inside their IRAs, tax free.<\/span><\/div>\n
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The cofounder of Paypal in 1998 (it was his idea). He then founded the social media sharing company called Slide in 2004. He also was instrumental in founding Yelp, a social media review site, and is currently that company\u2019s chairman.<\/span><\/div>\n

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Each of these companies made him millions of dollars. And he smartly tucked much of it away into his Roth IRA.<\/span><\/div>\n

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But it\u2019s how he put the money into his Roth IRA that made the difference and could be the insight you need to supercharge your retirement fund.<\/span><\/div>\n

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Here\u2019s the basics of how he could take a $2000-$5000 per year contribution limit (max contributions have risen over the years) and turn it into a multi-million dollar mega-fund:<\/span><\/div>\n
He funded his Roth IRA with ultra-low value company stock. Stock that he knew was about to soar.<\/span><\/div>\n

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You see, when a company is a startup, the shares are often dirt cheap. The founders often get millions of shares that (at the time) may be valued at a fraction of a cent per share.<\/span><\/div>\n

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Let\u2019s just assume that a start up company\u2019s stock is priced at one cent per share. That would mean you could place 200,000 shares of that stock inside your IRA and still be within the $2000 yearly limit.\u00a0<\/span><\/div>\n

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Then let\u2019s suppose the company becomes hugely successful (like PayPal) and the price per share skyrockets from a penny up to $20. You can now sell the stock shares inside your Roth and bingo! You have $4 million cash now sitting in your Roth IRA account.<\/span><\/div>\n

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That\u2019s $3.99 million profit … all tax free.<\/span><\/div>\n

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But it gets even better. Take that profit (sitting in your IRA) and invest in another startup company.<\/span><\/div>\n

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That means now you can use the entire $4 million to buy up the new company\u2019s dirt-cheap shares. Watch the company grow. Then sell the shares. Rinse and repeat.<\/span><\/div>\n

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All the proceeds are bought and sold within the Roth IRA — safely protected from taxes at withdrawal time – as long as you play by the rules (the current rules say you must keep those funds inside the Roth and not touch them until age 59\u00bd ).<\/span><\/div>\n

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We don\u2019t know exactly how many shares of Paypal he had in his Roth IRA…<\/span><\/div>\n

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… but we do know that he used this \u201ctrick\u201d with Paypal shares, and then with two more startup companies after that (Slide and Yelp).<\/span><\/div>\n

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After eBay bought out PayPal in 2002, his share was roughly $34 million. Not bad for three year\u2019s work!<\/span><\/div>\n

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Using his proceeds from Paypal\u2019s buyout, he started Slide. Google bought Slide for $182 million in 2010. Once again, it\u2019s unknown exactly how many Slide shares of Slide he had in his Roth.<\/span><\/div>\n

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But we do know this:<\/span><\/div>\n

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He got involved in another social media review site called Yelp. He had 7 million shares of Yelp in his Roth IRA in 2010. He sold a portion of those shares for a $10.1 million \u201cgain\u201d in his retirement account that year.<\/span><\/div>\n

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But here\u2019s what\u2019s amazing: SEC filings show that Max kept 3.9 million shares of Yelp in his Roth IRA. As of September 2012, Yelp is trading around $26.50 per share. Which means if he sold them now, his IRA would have $103 million cash (which he could use to buy more shares of another startup).<\/span><\/div>\n

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So what\u2019s the lesson for you and me?\u00a0<\/span><\/div>\n

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If you want your IRA to grow like it\u2019s on financial steriods, do you need to put high-growth startup investments in your IRA?<\/span><\/div>\n

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Maybe. If you\u2019ve got insider knowledge or are part of the startup\u2019s success or failure it could work out.<\/span><\/div>\n

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But unless you are involved in the startup company, it could be a huge risk. Investing in so-called \u201cpenny stocks\u201d is rarely profitable except for true insiders.<\/span><\/div>\n

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So, the real question is…<\/span><\/div>\n<\/div>\n

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How Can You Benefit from His Technique?<\/strong><\/div>\n
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It involves a particular commodity. We expect this commodity to be a vehicle in the greatest wealth transfer in the history of mankind.\u00a0<\/span><\/div>\n

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Which means that as the economy crashes, massive wealth will be transferred into this asset class.<\/span><\/div>\n
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And that means even a small investment in this commodity sitting in a Roth IRA today could grow to tremendous proportions during the coming wealth transfer. Just like the co founder of PayPal watched his startup shares soar in value.<\/span><\/div>\n

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What is that commodity? Precious metals.\u00a0<\/span><\/div>\n

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And silver could be the metal that has the most potential for tremendous growth.<\/span><\/div>\n

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How to Cash in Your Silver\u00a0(or Gold) Profits Tax-Free<\/strong><\/div>\n
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You see, any \u201cgains\u201d you realize inside your Roth IRA will be tax-free disbursements (just like he had with his Yelp shares), as long as you follow the age rules.<\/span><\/div>\n

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The only problem is that most people set up IRAs with a big broker or financial planner and are limited to stocks, bonds and mutual funds.<\/span><\/div>\n

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In order to place hard assets (like silver, gold or real estate) into your IRA, you must reconfigure it.<\/span><\/div>\n

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You\u2019ll need to structure it correctly and use a special custodian who handles the government oversight and paperwork.<\/span><\/div>\n

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It\u2019s not difficult, but it\u2019s\u00a0not<\/strong>\u00a0a do-it-yourself project either. You\u2019ll need guidance.<\/span><\/div>\n

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One of our strategies shows you the ins and outs of how to do this. It\u2019s called\u00a0<\/span>How To Legally \u201cFree\u201d Your IRA And Invest The Money Wherever You Choose\u2026\u00a0<\/span><\/strong><\/div>\n
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If you decided to hire someone to establish a Roth IRA (or convert an existing one) so that you can purchase silver and gold in it, you\u2019ll want to read this book first.<\/span><\/div>\n
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If you\u2019ve been embarrassed by the pathetic growth rate of your IRA or 401(k), this strategy alone could turn your retirement into the prosperous, happy, stress-free lifestyle you\u2019ve always dreamed about.\u00a0<\/span><\/div>\n

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It\u2019s worth a look…<\/span><\/div>\n<\/div>\n
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