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Investing Is Biblical

Investing Is Biblical. …thou shalt lend unto many nations, and thou shalt not borrow. Deuteronomy 28:12b Biblical definition of investing is to lend. Planning, Savings, & Investing Is Biblical. Be thou diligent to know the state of thy flocks, and look well to thy herds. Proverbs 27:23

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Investing Is Biblical

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  1. Investing Is Biblical …thou shalt lend unto many nations, and thou shalt not borrow. • Deuteronomy 28:12b • Biblical definition of investing is to lend.

  2. Planning, Savings, & Investing Is Biblical Be thou diligent to know the state of thy flocks, and look well to thy herds. • Proverbs 27:23 There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up. • Proverbs 21:20 Story of talents - Matthew 25:14-30 Know cost of tower - Luke 14:28

  3. Investing Is Biblical Make Friends with Money Make to yourselves friends of the mammon of unrighteousness. • Luke 16:9 Educate yourself in money matters.

  4. Investing Is BiblicalFinancial Goals • Giving 10% gross • Pay off debt • Save 5-20% of gross • Pay off mortgage • Lifestyle…self-funded ministry…cash car • Make a will • A goal is a statement of God’s will for me.

  5. Parents Income rose 524% (age 20-30) 49 workers support 1 retiree Average age at death 63 Peak earnings after kids gone Homes appreciated greatly (Buy Your Second Home First) Paid Debt with inflated $ You 34% 2.7 workers(2018) 90/95 still paying for kids 0-3% per yr. 1998 inflation 1.7% Investing Is Biblical

  6. Investing Is Biblical Three plans for making a million by age 65, assuming the money ears 12% a year • Age 25, start investing $59 a month • Age 40, put $10,000 down AND invest $493 a month • Age 50, put $50,000 down AND invest $1,540 a month

  7. Investing Is Biblical Generational Numbers BoomersAborted Retirement 48 Million “Mature” 81 Million “Boomers” 38 Million “X-ers” Previous Generation finances the retirement of present generation.

  8. Investing Is Biblical

  9. Why retirement savings is low Employers say • Employees think can’t afford - 41% • Lack of understanding - 16% • Perceived lack of need - 14% • Have other goals - 10% • Incentives too low - 5% • Don’t know - 8%

  10. Why retirement savings is low Employees say • Think they can’t afford it - 21% • Not eligible for plan yet - 18% • Prefer investing elsewhere - 12% • Company doesn’t match - 9% • Doesn’t like choices - 7% • Don’t know - 25%

  11. Investing Is Biblical BEGIN WITH THE NEXT PAY RAISE

  12. Investing Is Biblical • 401(K) • 403(b) • ROTH IRA-no tax on earnings from IRA • IRA-no tax on contribution to IRA Vehicle for investment NOT the investment

  13. Investing Is Biblical Current Contributions • Pre-Tax Deferral Percent 7% of pay • After-Tax Contribution Percent 0% of pay • YTD Employee Contributions $2,308.56 • YTD Company Contributions $3,163.02

  14. Investing Is Biblical Balances as of September 30, 1997 • Your Contributions Since 1/1/88 to REVSOP: $16,055.26 • Your Total REVSOP Balance: $102,049.05

  15. Investing Is Biblical Ways to invest IRA, 401(K), 403(b) • Cash- CD, Money Market • Annuity - contract with insurance co. • Mutual Funds • very conservative - money market • conservative - money market, bonds, stocks • moderate - income producing stocks, large cap stocks • growth - large cap stocks, mid-cap stocks • aggressive - small cap stocks

  16. Investing Is Biblical

  17. Investing Is Biblical Understanding Risk

  18. Investing Is Biblical Rule of 72 Divide 72 by rate of return = # of years to double money 72 divide 18% = 4 years 72 divide 15% = 4.8 years 72 divide 12% = 6 years

  19. Investing Is Biblical $130,000 - 4 yr 260,000 Age 40 - 8 yr 520,000 Age 44 - 12 yr 1,040,000 Age 48 - 16 yr 2,080,000 Age 52 - 20 yr 4,160,000 Age 56 - 24 yr 8,320,000 Age 60 - 28 yr 16,640,000 Age 64

  20. Investing Is Biblical 98 3yr 5yr 10yr Washington Mutual (5.75%) 18 24 22 18 1-800-421-4120 Am. Century Inc/Grth 27 29 23 1-800-345-2021 Legg-Mason Value 47 41 32 21 1-800-577-8589 Janus Twenty 75 43 30 26 1-800-525-8983

  21. Legg-Mason Value$10,000 4/82-12/98

  22. Investing Is Biblical $1,000 Deposited Each Year End of Year Values 5 yrs 10 yrs 15 yrs 20 yrs 18% 7,154 23,521 60,965 146,628 20% 7,442 25,959 72,035 186,688 22% 7,740 28,657 85,192 237,989 24% 8,048 31,643 100,815 303,601

  23. Investing Is Biblical $166 month automatic withdrawal = $2,000 per year $332 month = $4,000 per year for two

  24. Investing Is Biblical Saving vs. Hoarding Genesis 41:46-57 Joseph saved 20% Luke 12:16-21 Rich man had to build bigger barns How are these situations similar? How are they different? Why was God pleased with one, displeased with other?

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