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.
Do 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
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.