Are Your Retirement Funds at Risk? Reallocate!
No one wants to see their parent work 40+ years to only see them NEEDING to return to the workforce because they have outlived their retirement savings. The silent killer of cash flow lies in the fact that inflation outpaces the growth of living expenses. Speaking of the cost of living, the 4% retirement withdrawal rule is just not working. Yes, contributing to 401k, IRA, TSP, 403b, mutual funds and other similar variable accounts offers an opportunity for us to capitalize on the market gains. Despite this, why do we choose to keep our principal funds exposed to market risks, where there is an equal potential for significant downturns?
During a retiree's 18-year marriage she and her former husband spent much of their disposable income on travel, rather than saving for retirement. Toward the end of her career she began putting money into savings. Today, she has $151k in a retirement account and another $22k in a brokerage account. She may have been a little late to the party planning. The challenge at hand revolves around a concept called sequence-of-returns risk.. The sequence and order of timing of poor investment returns can have a big impact on how long your retirement savings last.
The good news is, there IS a way to stop the bleeding!! It's safe and guaranteed! It allows your principal to mirror the gains of the market and GUARANTEES zero loss, earns interest and provides lifetime income!!
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