It is vitally important to remember that whenever or wherever you place your money, you are actually loaning it out, even if it's in a savings or checking account. This is because the Federal Government allows Banks to borrow up to several times the amount of money they have on deposit from you, just sitting there. And that borrowed money is then invested into various markets for very good rates of return while giving you a very small annual percentage. In other words, you've just lent your money out for very little or nothing in return, ...not calculating for inflation, or to mention the lost time in years for growing, or trying to grow your money, which said time cannot be recovered.

Considering the time-factor for all human beings which limits us to only so many years before retirement, educational expenses coming due, and other financial events, it is easy to see that by not having a productive savings plan for many years represents crucial time lost, which creates a very high risk-factor for many people nearing mid-life or retirement age. In fact, most financial experts recognize this "lost time and opportunity syndrome" and agree that even a small investment plan is vital in supplementing one's retirement or other future financial needs.

By comparison, Roteth Investments LLC provides it's Investing Members a fixed monthly rate of 3.5% for individuals! And, a 3.75% monthly benefit for all charitable organizations!

This performance has been consistent for well over five (5) years.

Assuming both of the above member-types invested funds in the One Year Plan, their annual earnings would be 42% and 45% respectively! However, if they use the Four Month Roll-Over Option, their earnings would be 48.15% and 52.08% respectively!