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How to Keep Growing Your Nest Egg Amid All the Stock Market Drama

by Samuel N. Asare

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Living in the post-September 2008 investment world, chances are high that you know someone – quite possibly even yourself – whose investment portfolio took a nose dive, courtesy of the spiraling events that crashed the stock market. And if you suffered a major loss, you are likely still just limping along. At the top of your list of woes may be worry over when you might regain your lost value – if ever – let alone concern about finally starting to make gains again.

Although traditional advisors are, as usual, admonishing worried investors to “hang in there” and remain “focused on the long term,” we’d like to point out that not one of these so-called advisors/experts predicted the approach of this devastating economic tsunami. So, honestly, how wise is it to depend on their abilities to predict your nest egg’s future now? The good news, though, is that we all know with 100 percent certainty exactly what the market will continue to do: fluctuate, up or down! Beyond this, however, no one has even the slightest idea of the market’s next move.

So the natural question that you, as an investor, must ponder is: Does your strategy reflect reality?

An Unpredictable Market Shouldn’t Be Intimidating

We utilize a powerful, proven strategy that ties our clients’ savings to a stock market index with minimum guaranteed interest rates and upside cap rates. So, in addition to protecting all of their principal dollars, this strategy affords them the opportunity to grow their savings - up to a certain cap - when the index such as the S&P 500 or the DOW appreciates, but without any market risk during bad years. In effect, when the market increases, they gain (up to the predetermined cap); however, when it plunges they don’t lose anything!

By way of illustration, let’s say Julie invested $100,000 using this common-sense methodology by linking it to the S&P 500 Index, with a guaranteed interest of 3 percent, and a cap of 15 percent. So if the S&P 500 index were to lose, say 10 percent, Julie would not lose any portion of her $100,000. Instead, she would gain the guaranteed minimum interest of 3 percent (or $3,000), therefore ending the year with a total of $103,000!

Then let’s say the market bounced back the following year, and the S&P 500 index gained 20 percent. Julie’s account would earn up to the 15 percent cap on her previous $103,000 balance, or $15,450, thereby increasing her balance to $118,450!

If Julie had followed the traditional in-the-market approach, she would have ended that exact same two-year period with a total of only $108,000. True, this is a hypothetical illustration, and we are sure you have heard 1,001 reasons and seen one statistic after another about why you should count on your variable investment to deliver eventually. But isn’t it about time that you took market risk out of the equation and introduced some degree of stability and certainty into your future retirement? After all, do you really want to gamble with funds earmarked for your retirement, which is certain to arrive or already here?

To learn more, get your questions answered so that you can look forward to a comfortable retirement without any stock market drama, schedule your complimentary consultation by calling 877.656.9111 or visiting www.LaserFG.com 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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