If You Lose Money Meant For Retirement:





If you have have an old 401k or IRA, go here
  • And you’re younger, your loss may cost you more as you incur high interest bearing debt to pay your bills (i.e. credit cards)
  • And you’re middle age, it reduce your retirement funds
  • And you’re on a fixed income and you are retired, you may have to seek employment or liquidate assets
  • Your emergency funds may also be used for living expenses
  • Any travel plans may canceled altogether
Losing is something all of us have gone through and should never forget. Yet most of us consider our economy today as unsinkable. This page will give you some things to think about if your funds are in a non-guaranteed vehicle. Let’s examine guarantee:

Guarantee: undertake to answer for the debt, default, or miscarriage of; to give security. This is a much different from:

Speculation: to buy or sell expecting to profit from fluctuation.

So you see when it comes to safety, there’s only two sides of the fence:

Guaranteed

  • US government bonds
    (By the US Government)
  • Cash & CDs
    (By the FDIC)
  • Fixed annuities
    (By insurance company)
  • AAA Muni Bonds
    (By issuing municipality)

Non-guaranteed

  • Stocks and mutual funds
  • Money markets
  • Limited partnerships
  • Private placements
  • Corporate bonds
  • Utilities
  • Initial public offerings
  • Secondary offerings

Notice that everything that had a guarantee, had a organization standing behind it. You either have your assets protected or you are speculating. Absent from my site are nebulous words like safe, solid, conservative, and strong, because I want to know who is protecting me!

Contact us and we can discuss whether your money is safe or not. You can lose from any one of the following risks:

  • Currency
  • Inflation or Deflation
  • Volatility
  • Reinvestment
  • Legislative
  • Business
  • Management
  • Market
  • Legal
If your funds are subject to every one of the risks listed above, re-evaluate your holdings. When you deposit money into a safe asset, you eliminate many of the unknowns, giving you peace of mind.

If you don’t know if your funds are protected, find out the following:
  • Is my money safe?
  • If so, when will I get all my money back (maturity date)?
  • If it is protected, who backs the guarantee and how solvent are they?
If you learn your retirement is in a non guaranteed vehicle, ask yourself, "Am I willing to risk 100% of my principal to make an unknown profit?"

You can protect your money that is meant for retirement by making sure it’s guaranteed! As an independent life insurance agent, I show you how to protect a portion of your capital.
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