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It’s Perfectly Possible to Make Decent Returns and Stay Ahead of Inflation, Without Exposing Your Portfolio to Stock Market Risk

by Samuel N. Asare


The financial planning community is in overwhelming agreement when it comes to retirement planning on these two facts – and rightly so:

1. It is critical to utilize investments that outpace inflation (increases in the price of goods and services, over time).

2. History proves that over longer periods of time, the stock market tends to beat alternative choices like bonds, money markets, and certificates of deposit. And, in effect, it has offered returns that enabled investors to outpace inflation.

But, there’s a problem!

The problem – and the area where most conventional financial professionals are, unfortunately, totally wrong and consequently lead their investors astray – is that investors must bear all the risks of investing in the stock market. For decades, these advisors have brainwashed their investors into believing that they must accept the risk and unpredictability associated with the stock market’s gyrations, simply to beat inflation.

For years, we have advised our investors to utilize a simple strategy which links their portfolios to a stock market index of their choice. They are, therefore, able to participate in the gains the index experiences, up to a predetermined cap. They also enjoy complete downside protection, so that when the index plummets, as we’ve experienced over the past few years, their portfolios do not lose a penny. The reason? They are not directly in the market – they are simply linked to it.

In effect, an investor’s principal dollars are guaranteed; year-to-year gains are locked into a new principal that is guaranteed never to diminish. When the market performs poorly or crashes and the index loses or returns less than the contracted minimum return, the portfolio is still credited the minimum guaranteed rate. It enables them to indirectly participate in the upswings of the stock market – hence outpacing inflation – without experiencing the risk of losing significant portions of their nest eggs when the market dips.

A Quick Illustration

Let’s look at a general example. Say you had invested $100,000 in the S&P 500 index (assuming it were an investment) over the 10-year period from Jan. 1, 1999 through Dec. 31, 2008. Your ending balance would have been approximately $73,481. On the other hand, had you implemented our common-sense strategy with a minimum guaranteed return of zero, yes zero percent, a cap of 15 percent, and a 100 percent participation rate, the account’s balance at the same 10-year mark would have been approximately $174, 644. That’s $101,164 more!

For those who are understandably skeptical, apply these general assumptions to any significant periods of time and you will discover the shocking truth. This is why our investors trust us, and the reason more and more folks just like you are turning to us to learn and implement this simple strategy and others like it. As a result, they are joining the growing group of smart investors who are keeping their portfolios where they belong – in their control.

For your no-obligation consultation, please call (877) 656-9111 or visit today!

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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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