The Four Key Elements of a Prudent Investment

The four key elements of a prudent investment are not exactly a secret. Yet they are not well understood by a great many people. This includes people who we might assume are in the know including CPAs, tax attorneys, financial planners and advisors.

Doug Andrew has been teaching and writing about them for more than 40 years. In that time, he has noticed that even those few professionals who know some of the four key elements of a prudent investment, still manage to get them in the wrong order.

In this episode, Doug shares these four key elements and also provides the helpful acronyms to make them stick.

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He also shares his thoughts on his preferred savings vehicle for retirement and how it passes these four tests with flying colors. Get ready to move forward with confidence once you’ve learned the four key elements of a prudent investment.


  • Are you familiar with the LASER acronym? If you recognize the value of liquid assets safely earning predictable rates of return, this is an incredibly useful test.
  • If you’re saving for retirement in a 401(k) or an IRA, do you understand the power of tax-advantaged accumulation? Doug shares a number of timely reasons to consider making a change..
  • Why is it so important to be able to access your money when you need it? Doug spells out why liquidity is a vital consideration in how you choose to save.
  • How can you know that your nest egg is safely positioned to weather market volatility? Learn how to benefit from those times when the market prospers and not lose money when it contracts.
  • What is the benefit of earning predictable rates of return? Inflation must be conquered by rates of return that outpace it. Learn how to make this happen.
  • Have you heard of Doug’s book “The LASER Fund”? Discover how the principles in this book can help position you for a brighter future starting today.
  • And much, much more…

Start by visiting with a wealth architect today.

What are the five key objectives to financial abundance? How can you evaluate various financial vehicles using the LASER test? Click Here to gain immediate access to the Three Tools for a Strategic and Predictable Retirement.

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.