How Parents Will Benefit
Imagine if, when YOU were 16, your parents told you that they had invested for YOUR retirement during the first 3 years of your life, and - as a result - you were on track to accumulate $10,000,000 in retirement savings by age 65, WITHOUT you ever having to invest ANY money yourself?
​
Not only would this ensure that you'd enjoy an attractive income during your RETIREMENT years, you'd also have much more money throughout your WORKING years because you wouldn't need to invest any of your earnings for your retirement.
​
So, you'd have much more money to spend on other things, such as buying your first home year earlier.
​
We'd like to enable you to give this life-changing gift to your child.
​
Accordingly, if you are pregnant or have a child who hasn't yet turned 2, consider serving on our part-time BIG Shift Team, as a way to earn enough extra income - in just 3 to 6 hours per week when your schedule allows - to help your child to become on track to accumulate the $10,000,000 in retirement savings they likely need by age 65 (because of inflation), so they will enjoy a substantially higher standard of living during both their working years and retirement years.​
​
In our FREE Coaching Program for new & expecting parents, we'd like to help you AFFORD to enable your baby to become on track to accumulate the $10,000,000 in retirement savings they likely need by age 65 (because of inflation), so they'll never need to invest ANY money for retirement themselves.
As outlined below, this could save your child as much as $1,000,000.
Not only will this substantially increase your baby's standard of living during their retirement years, it will also significantly increase their standard of living during their working years - because they won't need to use any of their earnings to invest for their retirement.
So, they'll have much more discretionary income to spend on other things, such as acquiring their first home.
Compare these 2 scenarios:
If your child follows the conventional path and begins investing for retirement at age 24, to accumulate the $10 million in retirement savings they'll likely require by age 65, they'll need to invest $24,782 per year, for 42 years, which totals $1,040,844.
By comparison, you can enable your baby to accumulate this same $10 million, by – as just one example – investing for them $13,382 per year, for just the first 3 years of your child's life.
This costs over $1,000,000 less.
Why $10 million in Retirement Savings?
Why do we presently use a retirement savings target of $10 million for each baby? At a 9% return (which is less than what the S&P 500 averaged over the past 65 years) $10 million in retirement savings should produce retirement income averaging $900,000 per year.
At first glance, this may seem like a lot. However, inflation has averaged 3.69% over the past 65 years. And, if it continues at this level, $900,000 per year in retirement income will have purchasing power equivalent - in today's dollars - to $85,387, sixty-five years from now, when babies retire.
Working backwards from this $10 million retirement savings goal, we can calculate how much money a child needs to have in their retirement account, at each particular age, to be on-track to accumulate their $10 million by age 65 (again, using a 9% rate of return), without having to invest ANY additional money.
We refer to these amounts as their Finished Investing Amount Goals (or 'FIA Goals' for short).
As just 5 FIA Goal examples, to be on-track to accumulate their $10 million in retirement savings by age 65, a child needs to have in their retirement investment account:
$36,922 by their 1st birthday;
$43,867 by their 3rd birthday;
$56,810 by their 6th birthday;
$159,786 by their 18th birthday;
$245,851 by their 23rd birthday
These 5 FIA Goal examples underscore just how important the BIG Shift is. It's simply too expensive to wait until one's working years to begin investing for retirement.
Yet, this is exactly what the current convention is. And, it explains why the government presently spends so much of our tax dollars to support retirees, who haven't been able to accumulate enough retirement savings during their working years (despite the tax advantages of RRSPs and Tax Free Savings Accounts).
​
The fact that a person isn't even permitted to open a Tax Free Savings Account until they are 18 years old, illustrates just how entrenched the invest-during-your-working-years paradigm is.
​
Yet, by their 18th birthday, to be on track to accumulate their $10 million in retirement savings, one should ALREADY have $159,785 in their retirement account!
Let's have a quick look at Phase 1 of our Coaching Program
​
We are beginning exclusively with our part-time BIG Shift organization - which will be comprised of a total of 398,510 new & expecting parents - who enrol in our cost-free Coaching Program specifically to serve in this organization - so they can earn extra income for their baby's BIG Shift.
​
For the time being, new & expecting-parents who wish to enrol in our Coaching Program, but not join our part-time BIG Shift organization, will be added to the Program's Waiting List.
The BIG Shift organization has 6 part-time roles:
​
5 CEOs - all Toronto based - each oversees 5 geographic Districts - 12 month on-target earnings: $1,012,727 each (before tax);
​
25 District Presidents (3 in Canada & 22 in the US) 12-month on-target earnings: $502,196 each (before tax);
​
272 Senior Vice Presidents (30 in Canada & 242 in the US) 12-month on-target earnings: $250,651 each (before tax);
​
3,264 Area Vice Presidents (360 in Canada & 2,904 in the US) 12-month on-target earnings: $100,052 each (before tax);
​
35,904 Team Leaders (3,960 in Canada & 31,944 in the US) 12-month on-target earnings: $61,195 each (before tax); and
359,040 Team Members (39,600 in Canada & 319,440 in the US) 12-month on-target earnings: $15,891 each (before tax).
In Canada only, the CEO, 3 District Presidents, 30 SVPs, 360 AVPs and 3,960 Team Leaders will begin by earning a $500 commission for (with our help) signing up 1 Zero-Fee Investment Fund Accelerator each.
Accelerators pay a one-time fee of $3,319 (plus HST). And, they will be generously rewarded for supporting the BIG Shift.
​
The net proceeds from these Accelerators will allow us to:
​
launch the first of our ZERO-Fee Investment Funds for babies & their parents (an S&P 500 Index Fund);
complete the BIG Shift App; and
begin to build a roster of professionals & businesses at which ZFIFAs and BIG Shift Members will be able to 'spend' the Free Product & Service Rewards we give them, to enjoy - at absolutely no cost to them - whatever products & services they wish;
Next, each Team Leader will begin our one-time Membership Drive, by (with our help) signing up 2 Members each, at a cost of $442 (plus tax).
Members will also receive 2 Rewards worth many orders of magnitude more than the cost of their membership.
​
The 2 Members that each Team Leader signs up will typically be local businesses, at which ZFIFAs and other Members can spend their Free Product & Service Rewards.
​
Finally, the Team's primary focus (and that of our centralized Category Marketing & Social Media Groups) will be directed at helping each Team Member sign up a total of 74 Members.
​
The proceeds from these BIG Shift Memberships will enable us to complete the BIG Shift infrastructure throughout Canada and the United States, which should enable us to help a growing number of new-parents each year, with the BIG Shift for their babies.
​
It will also help create widespread awareness for the BIG Shift's many societal-level benefits.
And, it will also complete the initial roster of businesses and professionals at which ZFIFAs and Members can spend their Free Product & Service Rewards.
​
Most importantly, the Membership Drive should generate over $8 billion in part-time income (before-tax) for the new & expecting parents who serve in the BIG Shift organization.
And, this should enable these parents to invest over $5.58 billion (in after-tax dollars) for their babies' retirement, into the ZERO Fee Investment Fund we're launching.
​
Finally, if the S&P 500 continues to perform as it has over the past 65 years, this should produce over $1.5 trillion in retirement savings for these babies.
​
​
​
​
​
​
The Membership Drive will also enable us to establish our BIG Shift Infrastructure - across Canada and throughout the United States.
This unique infrastructure should enable us to help a growing number of new & expecting-parents - each year - with the BIG Shift for their babies.
The following 6 PDF summaries outline the income-allocation we recommend for each of the 6 roles in the part-time BIG Shift Organization:
5 CEOs: 1-Year Plan
​
25 District Presidents: 1-Year Plan
​
272 Senior Vice Presidents: 1-Year Plan
​
3,264 Area Vice Presidents: 1-Year Plan
​
35,904 Team Leaders: 1-Year Plan
359,040 Team Members: 1-Year Plan
We'd be happy to answer any questions you have and invite you to either call us at 647-846-0300 ext. 800
or email us at: Program@BIGShiftCanada.com
*Assuming a 9% average annual rate of return (net of fees), compounded annually until age 65