The Top Ten Criteria to Consider in Selecting Passive Income Opportunities!

Rachel Victoria High Yield Investment Planner

By Rachel Victoria, MSFS, former CFP

August 13, 2008

The business has a physical location, a real staff, customer support, and accountable reputable directors of the corporation.

Can you visit the office in person and schedule an appointment?

Do they provide prompt phone and email support?

Are the directors experienced and have passed google and background inspections?

Are there any signs of cash flow shortages?

Excellent verifiable history of client satisfaction and business history.

Will the company provide client referrals or verifiable testimonials?

Full disclosure and verification is given regarding the nature of the profit making.

Does the company disclose the sources of their profits (as opposed to anonymous ventures)?
Will they disclose any financial statements or information regarding the financial backing of the company?
What assets does the company hold?

Cash Profits may be distributed monthly, starting within at least 60 days. (If it is a monthly cash flow program and you elect to receive profits.)

This reduces the chance of new investments being used to make payments to older investments (a Ponzi)..
If it is not a monthly cash flow program, are there real assets that are collateral for your investment.

Cash returns are a minimum of at least 6% monthly or more.

To offset the risk reward concerns, the programs should be netting profits that more than compensate for the cost of doing business and hedging inflation.

Performance history is verifiable and consistent.

Track records should be available on request. Third party verification ensures that the history is accurate.

Recruiting, sponsoring, or referring others is not required.

Passive Income Opportunities should not require marketing.

Multi-level-marketing is not considered a "Passive" opportunity.

Funds are preferably held in your own name in a separate account. Access to unscheduled withdrawals of principal is available.

This ensures that any unscrupulous individuals or company employees can not access your funds.

Fees are appropriate to the monthly income potential and are not based on profits.

I don't mind paying fees when I end up with more in my pocket than the cost of doing business.

Also, having a reputable third banking relationship to initiate access to your funds ensures the security of your funds.

A business having established banking relationships (or reputable third party money processors) suggests that the business met their third party credibility verification standards.

Diversify, Diversify, Diversity..................................

As I always say, an ideal portfolio will have 3-6 months of cash reserves and a goal of many tested passive income programs in the aggressive portion of your portfolio performing simultaneously to help increase your risk management. This is very feasible, as we are able to acquire for you additional unsecured cash to diversify into multiple opportunities and capitalize your passive income business.

For more information on these Selected, Guaranteed Services, please visit:

High Yield Income

The author, Rachel Victoria, is a former CFP with an MSFS in Financial Planning. Ms. Victoria owned an American Express Financial Services Franchise for 20 years. Rachel currently enjoys researching, testing, and writing about alternative Financial Income Strategies.