Recently the Dow set an all-new record – albeit not a record to be proud of – when it plunged nearly 1,000 points in a single day of trading before it recovered to a loss of 348 points by day's end.
Investors around the world watched the free fall in horror, catching their breath as the spiral finally slowed and trading improved. As it turns out, the drop was in part due to technical error. Whatever the cause, the roller coaster ride was enough to leave more than a few investors shaken.
This is just one more example pointing out that retirement money can be better off when it is not directly invested in the stock market. Too many people find themselves vulnerable to the sharp ups and downs the stock market can bring. Similarly, those with their money in 401(k)s and IRAs can be significantly impacted by bad days on Wall Street.
On the other hand, these investors want solid returns that help their retirement savings gain momentum. Safe but sluggish CDs, money markets and similar vehicles can take too long with too little return to make a difference.
Ideally, it would be nice to find retirement savings vehicles that can benefit from the ups of the stock market, while being protected from the downs.
There is a type of investment that offers this safety and rate of return. Moreover, it offers liquidity to protect you in times of need. And, by properly utilizing indexing, you can take advantage of the up ticks in the stock market while sparing yourself the agony of the down ticks. With 'indexing' your principal is protected and you don't lose when the market goes down. When the market goes up you are credited whatever the index of your choice earns (like the Dow Jones or S&P 500 index) up to a cap without your money actually at risk in the market.
Based on what the S&P 500 actually did the last 25-30 years, an average annual crediting rate of 7-8 percent could have been realized — even recently.
It's all available through maximum-funded, tax-advantaged insurance contracts. They can provide a best-of-all-worlds solution to retirement planning. It is a vehicle that when properly structured can accumulate tax free, and accessed tax free during retirement. When you die it blossoms and transfers income tax free. Nothing else in the tax code does that! Check sections 72e, 7702 and 101 of the IRS Code.
Find out more so you can feel secure, watching the world ride the ups and downs of the stock market while you steadily journey upward toward your retirement.
For more information, contact Al Shapiro at (760) 431-1246.
Investors around the world watched the free fall in horror, catching their breath as the spiral finally slowed and trading improved. As it turns out, the drop was in part due to technical error. Whatever the cause, the roller coaster ride was enough to leave more than a few investors shaken.
This is just one more example pointing out that retirement money can be better off when it is not directly invested in the stock market. Too many people find themselves vulnerable to the sharp ups and downs the stock market can bring. Similarly, those with their money in 401(k)s and IRAs can be significantly impacted by bad days on Wall Street.
On the other hand, these investors want solid returns that help their retirement savings gain momentum. Safe but sluggish CDs, money markets and similar vehicles can take too long with too little return to make a difference.
Ideally, it would be nice to find retirement savings vehicles that can benefit from the ups of the stock market, while being protected from the downs.
There is a type of investment that offers this safety and rate of return. Moreover, it offers liquidity to protect you in times of need. And, by properly utilizing indexing, you can take advantage of the up ticks in the stock market while sparing yourself the agony of the down ticks. With 'indexing' your principal is protected and you don't lose when the market goes down. When the market goes up you are credited whatever the index of your choice earns (like the Dow Jones or S&P 500 index) up to a cap without your money actually at risk in the market.
Based on what the S&P 500 actually did the last 25-30 years, an average annual crediting rate of 7-8 percent could have been realized — even recently.
It's all available through maximum-funded, tax-advantaged insurance contracts. They can provide a best-of-all-worlds solution to retirement planning. It is a vehicle that when properly structured can accumulate tax free, and accessed tax free during retirement. When you die it blossoms and transfers income tax free. Nothing else in the tax code does that! Check sections 72e, 7702 and 101 of the IRS Code.
Find out more so you can feel secure, watching the world ride the ups and downs of the stock market while you steadily journey upward toward your retirement.
For more information, contact Al Shapiro at (760) 431-1246.