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You Have the Wrong Strategy If the Current Economic Situation Is Depleting Your Investments

by Samuel N. Asare


Whether you call it a slow-down, recession, depression, or downturn, just about everyone agrees that the U.S economy – and the global one as well, in some respects – is not in a good shape, at present.

Here is what we find fascinating: investors are made to erroneously believe that, given the current economic tsunami, the evaporation of their investment values is understandable – and, worse – unavoidable.

Everybody’s pointing to the “BAD” Economy

While we agree that these are challenging economic times, we still question the wholesale finger-pointing. Immediately after the recession began, almost every business that failed – or is failing – cited, or more appropriately blamed, the economy for their plight. We are of the opinion that those businesses’ models failed long before the economy turned. The economic decline simply facilitated what was already waiting to occur.

Your Financial Decision

As pointed out by famed investor, Warren Buffet, “Only when the tide goes out do you discover who’s been swimming naked.” In effect, the economic meltdown will do just that, exposing those businesses – and investors – with unrealistic and unsustainable strategies.

As an investor, would you place your wealth in a business if they told you that they would survive and do well as long as the economy did well, but would wither up your investment and fold, should the economy fall into a recession? Savvy investors would have nothing to do with any such organization!

In the same manner, we believe that if your investment portfolio is at the mercy of the economy, you do not have a realistic plan. On March 23, 2009, USA Today ran an article citing numerous individuals whose portfolios had been devastated by as much as 70 percent! In the case of a 59-year-old computer analyst who had planned on retiring in two years but now does not see that happening because his portfolio dwindled “to $500,000 from $1.2 million,” that’s a 58.33 percent decline! In order for this 59-year-old to get back to his break-even point of $1.2 million, his portfolio will have to gain 140 percent in the following 12 months! How likely and soon is that going to happen? Of course, no one knows.

A Realistic Plan

The reality is that the economy and the stock market will do well sometimes and perform poorly other times. As a result, we advise and help our clients implement a strategy for their serious cash that guarantees their portfolios will not lose value as a result of stock market declines. However, when times are good economically and the markets are performing well, our clients’ portfolios earn interest based on a stock market index – up to a predetermined cap.

Let’s look at an example. Assume a contract with a minimum guaranteed interest of 2.5 percent, a cap rate of 14 percent, and a 100 percent participation rate in the S&500 Index. If the index were to lose or increase by less than 2.5 percent, the account would be credited the contractual minimum rate of 2.5 percent. On the other hand, all increases beyond 2.5 percent would be credited to the account, up to the cap of 14 percent. Imagine where our poor computer analyst and the millions of other devastated investors would be today if they had followed our counsel.

If this concept is music to your ears, we’d have to guess that you’ve probably been following the advice of a conventional financial professional, or you do not follow any professional advice – which is equally bad. Call 877.656.9111or visit today for your  no-obligation consultation and join those who have discovered the secured sheltered route to a happy retirement.

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This website is for informational purposes only. All opinions expressed are solely those of Laser Financial Group, LC., and our editorial staff. The information is not to be construed as any form of professional advice, nor as solicitation for the purchase or sale of any security, whatsoever. No particular outcome is guaranteed. No strategy can guarantee a profit, protect against loses, or ensure peace of mind. Recommendations are based solely on third party insurance products for which we receive compensation. Laser Financial Group, LC, does not provide investment advisory services. This does not constitute an offer to provide services in any jurisdiction in which such offer or solicitation would be unlawful under the laws of such jurisdiction. Any United States tax reference on this website is not intended to be used, and cannot be used for the purpose of avoiding penalties under the Internal Revenue Code, or promoting or recommending to another party anything addressed herein.

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