PWW4YOU offer closes in 3 days…

Just a quick post to remind people that the PWW4YOU offer finishes on December 15. For those who are not familiar with PWW4YOU it is a Reverse Pension Plan (RPP) that pays a fixed sum out in exchange for a waiver on your part of an associated pension plan.

In effect you as the policyholder are giving up your rights to the full value of a future pension in return for a fixed sum today, $75,000 for each policy. As long as you are under 67 years of age you will be eligible.

The purchaser of your policy is then able to create a large cashflow each year as policies mature, some will be relatively soon and others will mature over the next 50 to 60 years.

Each PWW4YOU policy requires an investment of $50 but up until December 15 there is an offer available where if you invest in 3 you get a 4th free, invest in 10 and you get 5 free and invest in 20 and you receive 10 free.

It doesn’t take too much math to work out what the returns would be under these circumstances so you’d be wise to make a multiple purchase soon if you are in a position to do so. If you are not sure seek advice from someone you trust before joining up.

Payments are made via Liberty Reserve. For some strange reason the offer is not mentioned on the PWW4YOU homepage so just be aware of that. You would need to make a purchase of 1 contract for $50 and then further purchases to the number where you want to take advantage of the various offers.

When this offer period started (01 December) there were in the region of 18,900 policies available. The current figure is 17,125 so you can see that about 10% have been sold in this period.

PWW4YOU have special offer until December 15th…

The idea of leveraging a small investment for a large return is always very tempting.

For those people who have been involved in online investing for a while the concept of Reverse Pension Plans (RPP) will be familiar. For newcomers they offer, for a small fee, a sizeable return.

They work such that you sign over the rights to the returns from a pension plan (in the future) in exchange for a fixed fee (payment now). The organisation that buys the policy is then able to obtain the full value of the pension when you reach retirement age.

If you think about it this could be a highly profitable venture as the purchaser can guarantee a good cashflow for many years to come assuming that a wide range of ages participate. As individuals we benefit from being paid now and not having to wait until we retire.

One RPP has recently re-launched having come to an agreement with the insurance company they are working with. Pensions World Wide 4 You (PWW4YOU) is now in the position where they want to finalise sales of their remaining policies as quickly as they can and are offering incentives to do so.

So, until December 15 you can take advantage of the following deal:

1. Buy 3 policies get a 4th free
2. Buy 10 policies get 5 more free
3. Buy 20 policies get 10 more free

This represents real value for money, let me explain. Each policy requires an investment of $50. For this you will receive $75,000 in return when payouts are made. If we take the example where you invest in 3 policies for $150 (and get a 4th policy free) your return would be $300,000 rather than $225,000. I’m sure you can work out what this represents if you were to invest in the higher number of policies as shown above.

So what’s the catch? Well, as most people are only too painfully aware no RPP has yet paid out and making an investment in PWW4YOU is therefore a risk. However, it is clear that negotiations have been going on in the background to ensure that the framework was right for this to complete.

I had refrained from joining earlier but the fact that this offer is on the table makes it very attractive and I’ve made an investment on this basis.

There are in the region of 18,500 policies available so there is time to consider whether this is right for you. I’d recommend that you do some research before jumping in if you are new to this form of investment. Don’t forget however that this offer expires on December 15.

Keep an open mind and make your decision based on your circumstances and not on speculation or hearsay.