The question is, if the market tanks...or I should say, WHEN the market tanks will you still go sideways or will you lose money?There are newer vehicles available where you can participate in market gains...and LOCK IN THAT GAIN when the market tops out. On the downward side...you just move sideways. No mutual fund, diversified market mix, asset allocation or variable product does that.Kinda the best of both worlds. You don't have to settle for the lower yield bond funds or CD's if you want safety of principle. You can preserve your principle at all points, participate in market gains and be protected from market losses.That's my business--I'm a safe money retirement specialist. You'd never know by looking at my picture
Rob, are you referring to VULs?
Quote from: Tyler on December 14, 2006, 04:55:36 PMRob, are you referring to VULs?Yes, that is one variable product where you put your principle at risk for the hope of more aggressive returns. You will lose money in market downturns with VULs. Not good for folks close to or in retirement.
I can see how that would be useful for people at or nearing retirement, but at my age that vehicle is too expensive.
They guys I use are Two Rivers Capital Management. They have returns that far outpace the S&P 500, and they do it with less of a standard deviation than the S&P 500. www.2riverscapital.com
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