Investment 
Strategies Of The Ultra Rich

By Jack Mize

Minesh-BhindiJack Mize talks with Minesh Bhindi, founder of the Gold for Life investment community. Bhindi explains that what people really want is a life where they can buy their time back.

Because a lot of people have lived a life so far where they sacrificed their time, sacrificed their life literally, to create a financial stability for themselves and their family, but somehow it’s just not enough. What we want to do is allow people to buy their time back with strategic lifestyle investments.

These investments can allow them to then finally live the life that they wanted to live, whether it’s fly around the world first class and reconnect face-to-face with friends, start philanthropic ventures or create businesses that can change the world. Whatever the dream is, it all starts with a secure financial investment plan.”

Bhindi teaches what he calls, “The Wealth Triangle Philosophy”: First, buy a booming asset below market value. Next, use creative ways to get cash flow from your booming asset. Then, buy more of that booming asset. In this way you can create wealth.

Jack:All right. Welcome back to Influencers Radio. Let’s get right down to it. My guest today is Mr. Minesh Bhindi. Minesh, he owns and runs GoldforLife.com, which is an investment community of strategic lifestyle investors. Now, if you don’t know what that is, we’re going to find out here in just a minute.

But what’s really impressive is the 92% success rate that he has with the folks that he works with. It’s the highest in the industry, when you look at it across the board. But what he does is he teaches people how to use lifestyle investments. And we’re going to talk about what that is. You’re going to come out with a complete understanding of what that is.

But what it is is to protect their wealth. But not just protecting wealth. It’s also about how they can start living that life that they love, right? The life that they romanticized about when they did the things that they thought and were told they were supposed to do. And he shows them how to do it with really simple investments that anyone can do.

Minesh, welcome.

Minesh:Jack, thank you for having me on the show and allowing me to help your listeners.

Jack:Well, fantastic. Well, here’s the one thing. This is the thing that I’m really excited about having you unveil. And that’s pulling back the curtain. So many people that have gone through. They’ve read the books. They’ve watched the TV shows. They’ve done everything that they thought they were supposed to do. That they were told they were supposed to do, to be ready to not just have a retirement that they could survive the rest of their lives. But one that they could be comfortable and do the things that they really wanted to do.

A lot of them have put off the things that really would make them happy because they were doing the things to allow them to do this to retirement. And when they get there and I see this. I’ve seen this in people in my family. They get there to that day and when they start counting it up, it’s just not enough. And it doesn’t match up to what they thought it was going to be.

What is lifestyle investment and how does that change the dynamic of that?

Minesh:So, firstly, I want to acknowledge that issue, because that is a big issue that we’re seeing today. I mean, not only have people got the fact that they haven’t got the amount of money that they needed, right, to start off with. But they also didn’t factor into account the high tuition fees they’re going to have to pay for their children and all the other expenses that come along with life.

And it’s really led to a situation where people can’t see a bright future. And the problem with that is when you can’t see a bright future you don’t know which direction to walk in.

Now what a lifestyle investment is, here a lot of people get confused. They think that either I’m going to have to put my money in a savings account or I’m going to have to become one of these billionaire investors that is constantly working, sacrificing life, giving up all aspects of their happiness just to make money.

A lifestyle investment is an investment that does what it says – it funds your lifestyle. It’s an investment that allows you to get a better than average return that doesn’t require a lot of time input. And also allows you to do things very, very simply, so that you can continue to live the life that you want to live while your money is working for you much better than in a bank savings account.

Jack:Well, okay. Let me ask you this. Because, really, how much difference is there. It seems like there’s only so much that people can do with their money, especially if they’re in the corporate world. They’re socking it away in their 401k. They’re putting stuff away in their IRA. You see the commercials for the stock houses and the mutual funds.

And when it comes down to it, a lot of the stockbrokers or these investment advisors, if you will, it pretty much is a “heads I win,” “tails I win” for them. But they always have a reason. Well, the market goes up and down, you know? You do your dollar cost averaging. There’s always a reason why it doesn’t end up being the picture that they painted.

What’s really the latitude? How much flexibility do people have besides either putting their money in what they call “safe” returns or people putting their money into stocks and mutual funds that have more risk/reward?

It seems like that’s pretty much your choices.

Minesh: Well, truth be told, ninety percent plus of professionally managed funds that are advertised to people all day, every day, do not beat the basic market returns on a year-to-year basis. Now, that’s very, very scary when you look at it. So then it makes you wonder why the people opt for these funds.

Well, because number one, they know that a savings account is not enough. And so you add in the fact that a savings account is not enough, plus the fear mongering that’s happened throughout the last fifty to sixty years, telling people that you need an expert to manage certain parts of your life.

And so they get sold into this idea of I need to go and find an expert. What they don’t realize is they might be driving up to the expert’s office in a Mercedes S-Class, but the expert they’re giving their money to took a train there.

Jack:Yeah.

Minesh:That’s the biggest problem. This whole fear around I’m not responsible enough to manage my own money and something that we’ve been taught. And the fact that the numbers show that the most professionally marketed, professionally managed funds do not out-perform basic market returns over the long term is evidence of this. People need to take control over their own money.

And they’re got to get over that fear.

Jack:Well, you know, thereare people that I think, some that are aggressive. They understand. They take control of their own money. But there’s a lot, I don’t think realize what’s available. Because when you look at some of these, when people think I’m going to invest for retirement and they look, they say here’s our choices.

And sometimes it’s very limited. And it’s almost like going through a cafeteria line and seeing, well, here’s potatoes. Here’s chicken. I want steak. Oops, they don’t have steak. I guess that means I can’t have steak.

But what you’re saying is that’s wrong. Just because you don’t see it on the menu of what’s being put in front of you, there’s still a lot of “off the menu” stuff that people don’t realize that they can use, and actually what you call the super wealthy use to actually reach that goal that they were sold. That they were told would happen, but rarely occurs with what they’re presented.

How do people find out about that “off the menu” choices that they might have?

Minesh:So quite simply. Write this down. Very, very quickly, very, very simply. So when somebody’s looking to invest their capital, they’ve really got three choices that they’re presented, just like you said in the cafeteria line.

Number one is a savings account, which, as we know, doesn’t even beat inflation. Right?

Number two is real estate, which, as we know, can be affected by all sorts of different environments, especially when it comes to over-leveraging in the market, natural disasters, etc., etc.

And then they get these mutual funds that don’t perform better than the markets on an average year.

See, the problem with those three things is that these are very controllable asset classes and that’s why they’re taught to the average public, because wealth can be controlled.

What people need to realize is that to get a fundamentally, consistently outperforming asset, they need three things. And I call this the wealth triangle philosophy.

Now, we implement this into every investment vehicle, every lifestyle investment we go into.

And the three parts of the triangle are this. Number one, you need to buy your asset below market value. And it has to be an asset that’s booming for the next ten years. So you want to do research and you want to buy the asset below market value.

Why? Because you make your money when you buy. And that’s when you’re locking in all your profits in step one. So you buy a booming asset below market value.

Number two, you want to cash flow that asset. You want to find ways, creative ways, of cash flowing assets. Like our community is currently focused on gold and silver, because of the way the U.S. economy is and other things in the world.

Now, what most people don’t realize is that you can cash flow gold and silver if you look creatively. And that’s what we teach people how to do. So you want to buy gold and silver. Let’s take gold and silver, for example.

Step one – we’re going to buy a booming asset for the next ten years, below market value today.

Number two – we want to maximize the cash flow.

And step number three is very, very simple. We want to buy more of that booming asset.

And you put all of these three things into plan for any investment part, any size, it’s always going to grow.

Jack:Well, what you just said. Step one, buy an asset below market value.

Minesh:That’s right.

Jack:Is that even an option when people are dealing with mutual funds? Is there any way where they can go and say, hey, I want a deal. Let me find someone that’s hurting and buy their mutual funds below. The price is the price for most folks.

Minesh:This is the thing. In a savings account, you’re not going to go and buy, you’re not going to go and invest for pennies on the dollar in a savings account. You’re not going to go. Real estate is probably the only option where people have got the opportunity to buy distressed property under the real market value, especially in the economy where we are today.

And with mutual funds, obviously, as you said, it’s not possible.

Jack:Right. So I can’t go to my bank and say, hey, I want to open up a $10,000 savings account, but I only want to give you $5,000 to do it.

Minesh:Exactly. And put $10,000 in there for me, will you? No, they’re not going to do that.

Jack:So, but that’s what people think that that’s their only options. Now, I think one of the other obstacles that I think a lot of people face is, okay, well, this is for people that are just dripping with cash, right.?

Minesh:Yes.

Jack:Realistically, is this something that Joe Six-Pack can do? Where does someone need to be to actually realistically think about this as a real achievable option for them?

And. Well, actually, I’m not going to give you an “and.” I’m going to do the “and” as a follow up question. So let’s go there. What does someone need to be, where do they need to stand financially to do something like this?

Minesh:Well, the first thing that people need to understand is if they’ve got absolutely no income, then really they shouldn’t be thinking about investing. It takes the investing portion out of the equation.

You need income and then your savings get invested. This is how you create a stable financial plan. Once you have that, I mean, we help people that have got a hundred thousand dollars minimum to invest or they’ve got five thousand dollars minimum to invest.

You can really do this with, I would say, as little as five thousand dollars. And that’s my opinion. You can do it with a lot less, if you’re saving and you’re starting out. But my opinion is five thousand dollars you need to start and then comfortably grow that every single month with the income that’s coming in.

Jack:So let’s take it to the other extreme. Let’s take it to the people that are just starting out. Let’s take it to the people that have done what they thought they were supposed to do. They followed the blueprint that they were sold to a T and now, here it is, time that they’re supposed to cash in. Time that they’re supposed to tie up that hammock and do the things that they want to do and they realize that this just doesn’t add up. Is it too late for them? Is this something that you say, well, you know I wish you would have come ten years before? What are their options?

Minesh:You know, Jack, let me explain something to you. That is my, what is who I want to help. And I was speaking at a seminar in front of two thousand people. And I said something that raised a little bit of, it was a little bit controversial. And it got people’s emotions swaying.

What I said was, I care more in our community about helping people with the most money right now than people with the least money. Let me explain why I said that. Inflation is currently, real inflation rates are sitting somewhere between eight and ten percent a year. Which means somebody with a half a million dollar portfolio is losing fifty thousand dollars of value a year on their fund.

Somebody with five thousand dollars is losing five hundred dollars of value every single year.

Now, the law on making money says the more money you have made, the more value you have to output into the economy. So what I want to do is help people who have made money already, have followed the blueprint to a T, have got money sitting in a bank account that they’re losing value on at the rate of ten percent a year and show them how to protect that.

That’s typically who I specialize in. And it’s not too late at all, as long as you, it’s never too late. This theory of too late is like saying, oh, am I too late to be saved? Should I just, what are you going to do? Go and die now? That’s not an option.

Jack:Well, I think that right there are the folks that. You know, the person that’s starting out, to me, is the person that can, they’ve got every direction in the world to go. They can walk in any direction and they have time to make mistakes.

But the person that is at that time that they thought they were going to be a lot further than they are, to me, that is the person that I think is the one that’s maybe the most panicked. That I don’t have the time that I had to make mistakes. I don’t have time to try things that may not work.

So it’s not even that fear of loss of money. It’s that fear of loss of time that they need to get to make what they have put together work for them, I would assume.

Minesh:You know, Jack, just one thing I want to add there. One of the most beautiful things that we see in our community is when somebody who has got a hundred thousand dollar, two hundred thousand dollar portfolio, starts investing with strategic lifestyle investments, that person can now come out of doing what they hate doing and start.

Like we had one person who’s a business coach. And he was doing a job that he hated doing. Now, he’s come out. He’s got his investments that are working for him. And he’s now serving other businesses. And he’s creating, helping create jobs in an economy where the small business market is what’s going to save the economy.

And we allow people to do that, to serve what they’re here to serve, by the use of strategic lifestyle investments. And that’s what I’m passionate about.

Jack:Well, I think that’s what makes you an influencer. That’s what really defines an influencer, because it’s not just the people you help, but you are actually inspiring and influencing the people that you’re helping to go out there and make a difference in the economy and, in turn, the lives of others that may not even consider what the impact is of being able to invest or understand these options.

Now, I told people when we started out today that we’re going to kind of pull back the curtain. Why is it when people think of the, I don’t know who, the Richard Bransons, Warren Buffetts, why is there such a disconnect between them not seeing that these people do not save their way to the wealth that they have, like they’ve been taught? And see that they must have done it in a much, much different way.

What is the missing piece? What’s the missing link between what people are consumed with thinking is the right way to do it, but when they obviously see in front them, that’s not how these people are doing it?

Minesh:You know, I’ve spoken on the stage with Richard Branson at an event in London, which was amazing. And I got the opportunity, the great opportunity to meet him and speak to him. And I think what the disconnect is, is the overwhelm of the branding and the bravado that goes around having a big business.

So they look at somebody like Richard Branson. They see Virgin everywhere. They see big planes. They look at Warren Buffett. They see fifty-thousand people a year chasing him to a shareholder conference. They see him on CNBC and it’s all this bravado around what he actually does.

And I think that’s the disconnect. When the truth is Richard Branson clearly gives advice as to how he started and the truth. Warren Buffett clearly gives his advice about how he looks at companies and what he looks for. And I think it’s just the overwhelm around, oh, wow, that is so big. I can never perceive myself doing that.

Jack:That is, I think that’s a huge point, is the achievability factor of it. That people think, well, it doesn’t matter how they got it. There’s something special there that I’m unable to achieve. But the reality is they can certainly achieve far more than what they’re being fed in the traditional sense.

Minesh:Jack, the proof is that it’s not about achieving Richard Branson levels. It’s not about achieving Warren Buffett levels. What people really want is a life that they can buy their time back. Because a lot of people have lived a life so far where they sacrificed their time, sacrificed their life literally, to create a financial stability for themselves and their family and right now, they’re not being given the option to do that.

What we want to do is allow people to buy their time back with strategic lifestyle investments, that allow them to then finally live the life that they wanted to live, whether it’s fly around the world first class and reconnect face-to-face with friends from around the world. Start philanthropic ventures or create businesses that can change the world. Whatever the dream is, it all starts with a secure financial investment plan.

Jack:That’s a very important point. That dream rarely has a dollar sign in front of it. The dream is something bigger that they associate a dollar sign with and there’s ways to get that, I guess, in a lot of different ways by putting your money to work in the right way.

Well, you certainly have influenced with the ninety-two percent success rate for your members. I always have to ask. You’re influencing these folks. What is it that influences the influencer? What is it that influences you? That drives you to do what you do and to have this kind of effect on other people’s lives, businesses and their retirement?

Minesh:So I always get asked what inspires me. Nobody asks me what influences. This is an absolute exclusive just for your and your listeners.

One person that I follow and I admire is a gentleman by the name of Ray Kurzweil, who is a futurist. He’s one of the smartest futurists on the planet. Bill Gates has picked his brain about where technology’s going. Google has just hired him to integrate humanity with technology.

And one of the things that he, predictions that he makes, just like he’s predicted with technology, he predicted that we would have computers that were smarter than the first computers that came out, that would fit in our hands. And he predicted the years that we would have that in.

And he’s one of the smartest guys that I look at. And one of the things that he says is by 2029 people will have the option to live forever. Now, whether that happens or not is not the case. The point I love about that is by 2029, technology will be smart enough, small enough to allow anybody to wants to, to have the option to extend their life by a huge amount because of the rate at which technology’s going.

So a lot of people who are now planning for retirement, who are forty today or fifty today, even sixty today, are going to face a retirement which is potentially fifty years longer than what they actually thought they would have.

Now what that says is that if you don’t have a strategic lifestyle investment plan, you’re going to be looking for a job when you’re a hundred and ten.

Jack:(laughter)

Minesh:Right? And that inspires me because just imagine we can take a group of people and give them financial freedom for another sixty years, with everything that they’ve learned. They’ve been through a whole host of life experiences. They know what’s important in life. They know what they really want now. And we can then give them financial freedom for another sixty years to continue creating whatever dreams that they want.

That’s what influences me.

Jack:Well, that certainly is. I guess some people could look at that as an opportunity. Other people look at it as you pointed out, well, that’s going to be a big problem. People outliving their retirement and realistically, they’re ability to earn money in that age and beyond.

Well, I have to say that this definitely has been eye-opening. And I’m really fascinated at the options that people have. People have blinders on, whether they put them on themselves or they’ve been put on by the people that push traditional investments.

You really have given the ability to take the blinders off. You have a lot more latitude and there are some simple ways that you can make this work. And it’s not too late. I think that’s the big one. And those are the people that, just like you, I feel for most that feel it might be too late, even though they’ve done the right things.

Minesh, how can people find out more about what you’re doing, what you’re up to and the philosophy that you’ve shared that has helped so many folks?

Minesh:You can either go to GoldforLife.com, with “for,” not the number four or Google us or YouTube us.

If you want to find us and you think that what we do can help and you like what I’ve said and what I’ve spoken about, just go to GoldForLife.com. Send my assistant an email and we’ll send you all the information that you need.

Jack:Minesh, great, great information. And I think you’re going to help a lot of folks, regardless of what stage they’re on. Whether they’re getting started or whether they’re to the point that they’re ready to reap the rewards of what they’ve worked for. I certainly appreciate you coming on and sharing that with us today. Thank you very much.

Minesh:You’re welcom, Jack.

Jack:All right, folks. Well, definitely another influencer here. You know, share out what you have learned and I think it always helps, what they say, you share it out, it comes back to you tenfold, a hundredfold. So go out and be an influencer yourself today. We will see you next time.

 

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Jack Mize

Jack Mize - is a Best Selling Author,host of Influencers Radio and Business Innovators Magazine covering Influencers, Innovators and Trendsetters in Business, Health, Finance and Personal Development.