The market value of the investment would increase significantly overtime. Consistent Predictable Rate of Return throughout the life of the investment.

The perfect asset would have strong, time-tested guarantees by strong, reputable institutions who have been in existence for at least more than a century.

This is similar to “no market volatility.” Just as the investor wouldn’t want this hypothetical asset to drop when the stock market crashes, on the other hand we want our perfect investment to increase in value to keep pace with price inflation.

If desired, the owner should be able to easily transfer ownership of the ideal investment to someone else.

The ideal investment would be guaranteed to provide for your family and loved ones, even if you became disabled or died, thereby guaranteeing that your family would be provided with all the benefits of the investment regardless of what happens?

The value of the ideal investment only increases: As the value of the investment increases, it can’t go down, unless you purposely draw it down or spend it.

 The growth of the ideal investment would be free of all state and federal taxes and would allow income tax free distributions at retirement.

The ideal investment would provide a cashflow over time, beyond its simple increase in market value.

There shouldn’t be a long “learning curve” to figure out how to make decisions with the perfect investment.

 What if this asset would not be counted for many government sponsored benefits (such as scholarships and college funding) and was therefore “off the table”?

It’s one thing to know that your investment is “worth” a certain amount of money, but it’s another to be able to convert that asset into dollars whenever you want. A liquid asset can be sold or converted to cash very easily and quickly and at any time.

Wouldn’t it be great if you could get true tax deductions (not just a tax deferral) for contributing to this perfect investment year over year?

 If the owner of the ideal
investment got into trouble elsewhere, and owed outsiders more than he could pay them, these creditors would not be able to seize his “perfect investment” thereby protecting you from frivolous lawsuits (That’s part of what makes it perfect.)

All fees and expenses should be identified up front with no additional transaction fees or management fees, to avoid being surprised by money management firms taking money off the top.

What if this asset could be easily collateralized, meaning you could borrow against the asset without ever touching the underlying growth of the asset, in much the same way as you can collateralize Real Estate without disrupting the appreciation of the property?