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Ever wonder if there’s a smarter way to grow your money while also protecting it for the future? You’re not alone. That’s exactly what The And Asset® helps you do. It combines long-term growth with protection using a special type of overfunded whole life insurance.
Instead of choosing between investing and saving, this strategy lets you do both. The And Asset® is structured to give you living benefits, steady compounding, and built-in safety, so your money works harder without unnecessary risk.
At BetterWealth, we guide you in using this approach to support your tax strategy, estate plan, and retirement goals, with a clear and customized financial plan that fits your life.
In this blog, we will talk about:
Let’s break it all down in simple, real-life terms.
Assets are things that hold value and help you build wealth over time. They come in all sorts of forms, some you can see and touch, others are more abstract. Understanding what counts as an asset and knowing the kinds you have is key to managing your money well.
An asset is anything you own that has value and can benefit you financially in the future. This could be cash, investments, property, or even rights to receive money. If it can bump up your net worth or bring in income, it’s an asset.
Assets help you grow or protect your wealth. Liabilities, on the other hand, are what you owe. Knowing the difference helps you make smarter decisions about your money.
Assets typically fall into two categories, each uniquely impacting your financial journey.
Current assets keep you agile. Non-current ones build your legacy.
Both types can grow your net worth, but intangible assets often give you protection and tax perks that help your wealth stay longer.
Knowing the difference can shape your investment and protection choices.
Assets play a significant role in managing your money and building wealth. Who owns an asset, how its value changes, and the different stages it goes through, all matter if you want to make smarter choices.
When you own an asset, you have legal control over it. You can use, sell, or transfer it. This covers real estate, stocks, or cash value inside specific insurance policies, like those in The And Asset® strategy.
Sometimes, people hold assets in trusts. Trusts let you protect assets for your family while controlling when and how they’re used. That’s common in estate planning to avoid confusion and legal headaches after you’re gone.
Ownership also means you’re on the hook for any debt tied to the asset, like a mortgage. It’s worth keeping a clear list of what you own.
Assets don’t keep the same value forever.
Some go up; this is appreciation. For example, real estate and specific life insurance policies grow as they build cash value.
Others lose value, or depreciate. Cars and electronics usually do this as they age or become outdated. Knowing which assets appreciate or depreciate can help you decide where to put your money.
With The And Asset®, you can watch your policy’s cash value grow. That growth comes with tax perks; you can borrow against it if you need liquidity.
Assets move through stages. First, you acquire them, buying or receiving the asset. Then, you manage them, maybe by paying property taxes or adding to your insurance.
Eventually, you might sell or transfer the asset. Planning helps you pick the right time to do this to maximize its value or reduce taxes.
Knowing where your assets are in their lifecycle helps you plan for retirement, taxes, and passing wealth to your heirs. We offer tools that make this process more visual and less overwhelming.
Assets come in different forms, each with its own quirks. Some you can touch and use, some are just money or claims on money, and some are digital, yep, that’s a thing now.
Physical assets are things you can see and touch. Real estate, cars, equipment, jewelry—those are all physical assets. They often hold long-term value; you can sell or rent them to create income.
But remember, owning physical assets means dealing with costs like maintenance, insurance, and taxes. Some appreciate, like real estate, but others, like cars, usually lose value. Physical assets can make a solid base for wealth since they offer tangible benefits.
Financial assets are basically money or claims to money, such as cash, stocks, bonds, and bank accounts. They’re easier to buy and sell than physical assets and can generate income through interest or dividends.
Your financial assets can grow through investment returns or interest. Their value can swing with market conditions, though. Understanding how these work helps you plan for retirement or long-term goals, and tools like tax-advantaged whole life insurance (which BetterWealth likes to use), can help.
Digital assets live online or in digital form.
Cryptocurrencies, domain names, digital art (NFTs), and even valuable social media accounts are all digital assets. As technology grows, these are becoming more relevant.
Digital assets can be pretty volatile, but also offer unique growth opportunities. You must manage and secure them carefully; a lost password can mean lost value. They’re a new wealth class, and it’s smart to approach them cautiously.
Managing the And Asset means understanding how your money’s divided and looked after. You want your assets to grow and be there when you need them. Staying on top of things keeps your plan running smoothly.
Allocating assets in the And Asset means deciding how much goes into different parts of the policy. Most of your money lands in the cash value portion, which grows tax-deferred and builds a strong foundation. A smaller chunk covers insurance costs and fees.
Getting this balance right matters. Too little cash value slows growth; too much can bump up costs or penalties. You can tweak your contributions to fit your goals—maybe you want to fund retirement or leave a legacy. This flexibility lets your money work in different ways.
The And Asset focuses on overfunding whole life insurance for maximum growth and policy stability. So your asset allocation is about growth, security, and liquidity, not just one or the other.
Keeping your assets in good shape means regular check-ins.
Watch how your cash value grows and ensure premiums get paid on time. Missed payments can shrink your benefits or even cause the policy to lapse.
It’s also smart to keep an eye on expenses and policy fees. These can eat into your growth over time. Sometimes you’ll need to make adjustments to keep things balanced.
We suggest reviewing your policy at least once a year. That way, you can catch minor problems early and keep your plan on track. Good maintenance helps your asset continue to deliver living benefits and long-term wealth.
Your assets are at the heart of building and protecting your financial future. Managing their growth and balancing risk are key to reaching your goals. Understanding these parts helps you make better decisions about your money.
If you want your assets to grow, you need a clear plan.
A common way is to invest in stocks, bonds, or real estate. Each has potential returns and timelines. Stocks might offer more growth, but they’re also sometimes a wild ride.
Overfunded whole life insurance, like The And Asset®, is another option. It blends steady cash value growth with protection benefits. You can build wealth and still have access to funds if you need them.
Diversifying your investments helps protect your money. Spreading assets across different types means you’re less likely to take a big hit if one investment tanks.
Every asset comes with risks and rewards.
Usually, higher returns mean higher risks. You have to decide how much risk feels right for you.
Some assets, like cash or savings accounts, are safer but grow slowly. Others, such as stocks or business investments, might grow faster but can lose value.
A good portfolio mixes low-risk and higher-risk assets. This way, you protect your money while still aiming for growth. Your choices should fit your timeline, goals, and comfort with risk.
Working with experts or using strategies can help you find the right mix. That’s how you make your money work for your future.
Knowing how an asset’s value changes, and how to measure it, helps you make smarter money moves. The right ways to value and track your assets show if your investments do their job.
Valuing an asset means figuring out what it’s worth right now. For stocks or mutual funds, you usually go with market value, the current price someone would pay. You might use an appraisal or check your policy statement for real estate or whole life insurance cash values.
Here are some ways to value assets:
For specialized assets like those in The And Asset® approach, you also look at cash value growth, which depends on how well the underlying investments or policies perform. Understanding your asset’s specific valuation method is key to knowing its true worth.
To know if an asset is doing well, you must track its value regularly and compare it month-to-month or year-to-year. This helps you spot trends and make changes if necessary.
You might use:
With cash-value life insurance, growth might come from interest or investment returns in sub-accounts, similar to mutual funds. These can fluctuate with the market.
Keeping an eye on your assets lets you make better decisions and stay on track with your goals. We can help you use these insights with your whole life insurance or The And Asset® strategy.
Many people get confused about what assets really are. Confusion about the difference between assets and liabilities or how easy it is to turn assets into cash can lead to money mistakes. Getting the facts straight helps you make smarter choices.
People often think that anything valuable they own is an asset. But honestly, the objective measure is whether it puts money in your pocket or pulls it out.
If you want to keep your finances on track, it makes sense to invest in assets that actually produce income or increase in value instead of piling up stuff that drains your cash flow.
Not all assets are easy to cash out, and that’s where many people get it wrong.
Here’s what The And Asset offers you:
Benefit
Description
Lifetime Compounding
Money grows steadily without interruptions
Access to Cash Value
Borrow funds quickly when needed
Asset Protection
Wealth shielded from many creditors and claims
Explore the And Asset and see how your money could do more than one job in your financial plan.
Everyone’s financial journey is different, so it’s natural to have questions. Whether you’re new to asset planning or just refining your strategy, these quick answers can offer extra clarity and help you confidently move forward.
An asset is something you own that holds value. It either helps you make money or provides some future benefit. It’s not just a thing; it’s anything that adds to your financial strength.
Assets can be stocks, bonds, real estate, cash, etc. Each one acts differently and helps balance risk and reward in your portfolio. Some grow fast but carry risk. Others are safer but might grow slowly. Mixing them is a way to protect and build your wealth.
Assets can pay you through rent, dividends, or interest. They can also go up in value if the market price rises. A rental property might give you monthly rent, while stocks could pay dividends or increase in price.
Tangible assets are physical, like buildings or cars. Intangible assets aren’t physical; they’re things like patents, trademarks, or life insurance policies. Both matter for your wealth, just in different ways. Tangible assets can be used or sold, while intangible assets often give ongoing benefits or rights.
Asset valuation is just figuring out what something’s worth. Depending on the asset, you might consider market prices, income potential, or other details. A house, for example, could be valued based on recent sales nearby. Stocks? They’re valued at whatever they’re trading for right now.
Assets basically show what a company owns and what it can use to keep things running—think cash, equipment, inventory, and investments. Alongside liabilities and equity, assets help paint a rough picture of the company's financial health. If you want to know whether a business might grow or keep up with its bills, this is where you'd look first.
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