Your 401K Performance

Most peoples 401K plans lost between 25-39 % last year. However that is not necessary. It is possible to have a 401K plan that cannot loose money. Obviously it has to be a Company decision to offer performance options that can give you reasonable growth without market risk. We can actually design a 401K Plan that does just that!

Retired employees have the option of taking their entire balance out of an existing 401K plan and putting it into a rollover IRA that allows you to to utilize Safer Money Financial Alternative products that do not loose money in market downturns and in fact can guarantee an annual increase of over 7% in the income account value. In addition to market protection from downside risk it can also give you the ability to create a lifetime income stream with your assets. Lets find out if these products are right for you.

We can also help protect you or minimize your risk due to inflation risk. This is something a bank deposit, or a bank CD does not accomplish. Often times when you subtract the tax rate and the inflation rate from a bank interest payment the ACTUAL Rate of Return is a net negative number. This means you gave them the use of your money for years and you actually can end up with less buying power than you started with!!! Do you think this is fair? I Don't!

Lets talk about your reasonable alternatives!

Current market conditions review

We just finished the worst Jan ever recorder in the Dow and the S&P 500 indexes. The Dow was down over 8.8% and the S&P was down over 8.5%. Banks are still being closed by the FDIC. Six new bank closures in January 2009. The only good news is that we have not fallen below the market lows set in November 2008. That trend has convinced many analysts the worst may be over. Most Economists are still predicting a weak economy throughout 2009.

With this continued market weakness is now the right time for you to be looking for Safer Money Financial Alternatives for your assets. My average new client from early 2008 will see a 6-12% increase in their Income Account Value on their 12 month aniversary. This is not a home run by any means but consider what has happened top those invested in the market. Are you ready to join the better than 75% of the high net worth individuals who a recent study found are ready to change their financial advisors. If you are interested in protecting your assets from market downside risk while participating in upside potential contact us. We can help!