Monday, October 22, 2012

Why Do So FEW Advisors Share a Proven Retirement Strategy?

Why do so few advisors share a proven retirement strategy?

A fairly large number of financial advisors seem to operate with the general hypothesis that when saving for your retirement, you should earlier on (during your working years) directly invest heavily in the stock market, using individual stocks or mutual funds of some sort. Then once you retire, you should switch over to, as they put it, less risky and much safer investments. Many recommend some form of annuity.

While that may sound pretty good on the surface, I believe it’s a major mistake. Here’s a simple reason for my stance. What if the funds you’ve invested via the stock market take a huge plunge right before you’re about to retire? Or what if the market plummets a few years before your retirement and doesn’t bounce back soon enough?

Is what I’m saying here ringing any bells about incidents of recent memory?

The fact of the matter is that the foundation behind this whole idea assumes that during the years of accumulation, the market will do just fine – and hopes that will actually be the case for you. However, my friend, hope has never been – and never will be – a viable strategy for something as vital as your retirement. In my personal practice and through my public speaking, I meet folks almost daily whose retirement finances have been compromised in a big way, due to this approach.

Now let me tell you what I recommend you do. First, it is extremely important to understand and never forget that your retirement is CERTAIN to arrive. As a result, your money must also be certain. One way to ensure that is by utilizing a proven investing approach whereby you link (as opposed to directly investing in) the growth of your assets to a stock market index, up to a certain a cap. This allows you to lock in all of your annual gains so that whenever the market/index drops, you won’t lose anything. If you were to ask me, I’d say this makes a lot more sense, because no one on this planet knows when and by how much the stock market will dip when it inevitably does.

Interesting question here is how come more so-called financial advisors are not exposing their clients to this powerful investing approach? Your guess is as good as mine, but at least now you have a different perspective.
If you’d like to learn more wisdom and common-sense information that will help you ensure that you don't lose a penny in the next market downturn, please contact us for straight, clear answers. What you don’t know matters as much as what you know! Call us at 877.656.9111 or visit us on the web to schedule your complimentary consultation TODAY.

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