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Are You Among the Millions Who’ve Lost Nearly30+ Percent of Your Assets or Retirement Nest Egg? Your Asset Depletion Could Have Been Prevented!

by Samuel N. Asare

securemoney_3It would be the biggest understatement to mention that the majority of Americans are hurting financially as far as their investments – and particularly their nest eggs – are concerned. The S&P 500 Index, for instance, lost approximately 38.5 percent of its value in 2008. To bring this point home, a hypothetical nest egg valued at $500,000 on January 1, 2008 would have had a balance of $307,500 as of December 31, 2008 – assuming no withdrawals and that no fees were accessed on it. That is a reduction of $192, 500 in one year! For this account to "regain" its value, back to the original $500,000, the S&P 500 Index must gain 62.6 percent, a virtually impossibility by the end of 2009.

On the other hand, some were counting on augmenting their retirement nest eggs with portions of the equity in their homes, by selling them and downsizing to smaller and/or less expensive residences. These individuals have witnessed their equity diminish significantly or completely vanish, coming to the unfortunate conclusion that their piece of real estate is not nearly as marketable today as it was a few years ago.

The continuous decline of the stock market is particularly damaging to those already in retirement or close to it, if they have their savings directly in the market. Laser Financial Group believes and teaches that no one should find themselves in such a predicament with their serious cash. Some may argue that the current situation is only temporary, or that it is not a “real” loss. Others may even dismiss our viewpoint by arguing that we are focusing only on one bad year. As they usually do to calm frayed nerves, their solution is to take a long-term view.

Our position is that if you have been investing directly in the market for the past, say, 30 or even 40 years, based on our example, you lost 38.5 percent of the entire amount you had accumulated to that point. So where does that leave you? How do all those years matter to you now? And, most importantly, what is the likelihood that the market will post a gain of 62.6 percent this year so that your account will “regain” its value?

We only wish those facing this calamity still had 10 or more years (the long-term, as those so-called experts put it) to wait for their life’s savings to rebound to where they were at the start of the current downturn. Sadly, that is not the case for most. And, who knows what the next 10 years are going to be like?

In spite of the market’s cataclysmic drop, some of our clients have not lost a penny of their investments’ values. In fact, they gained between 2 to 5 percent during the same period that the majority of Americans were scrambling to “save” their already depressed portfolios from further turmoil. We believe and teach that in planning for financial security, Americans must be positioned to act, rather than react, to circumstances over which they have no control – like movements of the stock and real estate markets.

A retirement that`s certain to arrive, demands a nest egg you can count on. Come in for a complimentary consultation and let`s share some proven ways you can protect your hard-earned money. Call 877.656.9111 or visit

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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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