Bull and Bear Markets: Are you prepared?

The average length of time for a Bull market is 50 months. The average gain in a Bull market is 156%. The current Bull market is 75 months in running, and the gain has been 227%.

The average length of a Bear market is 14 months and the average loss of principle or account value in a Bear market is 27%.

How does that affect you as you prepare for retirement?

In 2001 the S&P loss was -13.04%.

In the very next year, 2002, the S&P loss was -23.37%

That is 36.41% combined, back-to-back years of loss in that 25-month Bear market. You would have lost 36.41% of your principle in the S&P.

This loss of principle needs to be made up just to get back to where you started in your principle!  This was a deeper loss than the average earlier Bear markets.

Do you want to live in risk?

Six years later in 2008, the16-month Bear market loss in the S&P was -38.49%. The last two Bear markets of the last 15 years are both above average (27%) of principle or account value loss.  The S&P Bear market losses of the1960’s, 1970’s, 1980’s, and the 1990’s was less costly to principle or account value then the last two in the past 15 years.

Screen Shot 2015-08-27 at 11.14.43 AMDo you want to live in this kind of risk?

Better question is: Do you want to retire in risk like this?

I offer a better way that will allow you to live without anxiety; where the principle you have spent 20 or 30 years to build up would not have been lost in 2001, 2002, and 2008!

I offer scores of options, all with:

– Market upside,

– An income floor,

– Fees less than 1%,

– Principle protected growth, and

– Legacy.

Remember….Investment planning and retirement income planning are not the same thing.

I specialize in securing retirement income.

You would never see a dentist when you need a cardiologist, and you wouldn’t see a cardiologist when you need dentist. Don’t see an investment consultant when you need retirement safety! When you want a secure retirement income for you and your spouse, guaranteed to deliver monthly income for as long as you live, you want a specialist in securing retirement income.

I am a specialist in securing retirement income.