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Are Your Retirement Assets Shrinking with the Stock Market?You May Be Following The Wrong Advice.You Don`t have to Lose a Dime when the Stock Market Declines!

by Samuel N. Asare


If you are like majority of Americans, the condition of the economy is troubling you, and after watching the uproar on the stock market over the past several months, you may be feeling powerless about your investments. It would be only natural to wonder, “Will I ever regain my value? How low will it go before it recovers?”

Advice from a typical “financial expert”

From coast-to-coast, so-called financial experts have offered advice like:

  • Cut your expenses so you can survive on a much smaller retirement income.
  • Keep investing, and you’ll be fine in the long run.
  • Change your asset class from stocks to bonds and money markets.
  • Seize the opportunity to convert your traditional IRA to a Roth IRA.
  • Don’t pay any attention to your account statements.

We believe that conventional financial advisors are completely missing the underlying issue: most Americans never expected to find their nest eggs in this predicament. But before this “calamity” occurred, did their investment professionals offer them a basic expectation about their asset class choices?

Whether investors knew to ask or not, they needed to know the answer to this question: Is there a strategy that can get me decent returns when the stock market does well and protect my account so I don’t lose a dime when the market plummets?

No one can predict the future of the market

At Laser Financial Group, we have always maintained that it behooves people planning for retirement to be positioned ahead of the incident, rather than needing to act when it hits. As a result, we recommend that our clients utilize a more stable, less volatile investment strategy that provides some predictability in managing the portion of their nest eggs that they simply just can`t afford to lose .

The fact is no expert can predict the exact future movements of the stock market. Sitting in as an invited guest on a TV show, or penning an Op-Ed piece, should not be misconstrued as the solution that millions of Americans crave. They call it Monday morning quarter-backing for a reason – almost anyone can assess what went wrong in hindsight. But how are the investments of those analysts’ clients holding up? Probably about the same as everyone else’s.

It does not matter how long you have been saving – if your investments are in the stock market, any decline will impact your entire account – principal and all the gains you’ve accrued. Do investors who have been in the market for a longer time see a smaller percentage drop? Of course not.

A different strategy

Here’s a method that may be new to you. You can link your investments to a stock market index, participating in its gains up to a predetermined cap, with a contractually guaranteed minimum interest that allows you to lock in the gains from year to year. Here’s an example:

For an investment with a 2 percent guarantee, a 15 percent cap, and a 100 percent participation with an annual point-to-point link to the S&P 500 index, if the S&P 500 were to gain, say, 12 percent over a year, your account would be credited 12 percent. The new balance would then lock-in and would not decrease (even if the index were to lose). Therefore, if the index were to lose 10 percent the following year, your account would be credited the 2 percent guarantee, and so on.

This, we believe, provides downside protection without sacrificing the opportunity for decent equity-linked performance. 

There is a lot of talk in the financial planning community regarding the need for retirees to employ much safer investment strategies. The reality, however, is that every major market correction negatively impacts the majority of retiree accounts, most of which are, interestingly enough, overseen by these very same so-called financial experts.

Perhaps you have experienced several epiphanies regarding the new concept we are introducing. The central issue is are you investing the portion of your nest egg that you can`t afford to lose as though you could? For more practical retirement planning insights and to get your questions answered, please 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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