The Retirement Roller Coaster

In this week’s Hidden Wealth Review, I teach that the retirement savings roller coaster will continue to get more volatile. Many of you are concerned by the return of large market swings like those we saw in 2008. This fear is understandable in light of the new single-day drop record of 1,175 points. Many people want to know how they can get their serious retirement savings to have upside market gains without suffering losses from the market’s downside.

The optimal answer to this is not to put your money into annuities or to park it on the sideline in cash, as some recent articles have suggested. Now is the time to take advantage of the opportunity to lock in the market gains you are still holding onto and safeguard them from the risk of ever giving those gains back to the market. 

There are two important things you need to remember about the current retirement climate:

  1. There are 10,000 people retiring every day and it’s a new retirement reality, driven by the largest generation of retirees. We are just now starting to feel the impact of age demographics. We are finally out of runway to manipulate interest rates at these historically low levels.  Rising interest rates along with the skyrocketing national debt is causing major havoc in the markets. The country continues to drown in debt yet, we are adding more debt just to keep the government open. Interest rates are heading back up and this is causing more market volatility.
  2. The government is losing tax revenues because of the number of people who are retiring from wage-earning jobs. The government needs to collect more taxes to make up for this loss and to pay the debt. There are tax increases coming for those that have saved money in vehicles where the taxes have not yet been paid, such as IRAs and 401(k)s. Retirees will need larger gross distributions from these accounts in order to make up for the tax they are losing from their retirement savings. This way, they will be able to net the amount of cash needed to sustain their preferred lifestyle. As more and more money leaves the market, it becomes even more volatile. The bottom line is that people pay more in unnecessary taxes and lose more money to the market when it makes these wild swings. 

If you want to learn how to safely get off of the retirement savings roller coaster, want to enjoy upside market gains without downside losses and want to completely eliminate unnecessary taxes, I would like to teach you how! This coming Tuesday, I’ll be teaching an introduction to the solutions to your retirement concerns in my complimentary educational webinar. This no-cost, no-obligation educational event teaches you how to lock-in your gains and protect your retirement savings from taxes and market losses for good.

This simple, log-on and learn opportunity will teach you how to get off the retirement roller coaster so you can enjoy a safe and secure retirement. Just for registering and attending, I will gift you an e-copy of my book, The Baby Boomer Retirement Breakthrough-The Unfair Advantage to a Safe and Secure Retirement

To register for this educational webinar, simply go to www.RetirementProtected.com, enter the required information and submit your registration. Once you’ve registered, you’ll receive an email containing a personal link to join Tuesday’s event. These events fill quickly so hurry and register.

-Spouses are encouraged to attend this event together-

www.RetirementProtected.com

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(855) No Tax 2 U

(855) 668-2928

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Chuck Oliver
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