Since we have seen how long bear markets can last and that most investors don’t have a 100+ year time horizon, we need to plan for bear markets that could fall into your peak saving years and income years.

There are strategies to overcome this and keep your wealth growing using real estate, investments and insurance products. Today we will focus on the using index crediting strategies in insurance products.

Check the extra section to view the chart mentioned in this episode or click here:

http://wealthforlife.net/market-trends-affect-wealth-part-2-2/

Compare the time frame in the chart below to the Dow jones chart in the previous post:

http://wealthforlife.net/radio-show-market-trends-affect-wealth-part-1/

Keep in mind the above results are based on a specific cap and floor and which can vary and change based on current rates. Also, the numbers are gross historical crediting rate before fees and cost. Same goes for the Dow chart regarding fees and costs.

Call us any time with questions: 480-970-5663480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/

History shows that the equity market enters long periods of high returns, followed by lengthy periods of lower ones. These periods are called secular trends. There are two kinds of secular trends:

A secular bull market, or upward-trending market, occurs when each successive high point is higher than the previous one.

A secular bear market, or downward-trending market, occurs when a trend does not rise above the previous high.

We have had four bear markets that lasted 18 years, 25 years, 17years and 11 years.

Over the last hundred plus years, the stock market has rewarded some investors with long-term growth. But for most investors, a realistic time horizon is 10 to 20 years—not more than a century.

What happens if your peak saving years come during one of these long term bear flat markets?

Check the extra section to view the chart mentioned in this episode or click here:

Market Trends Chart

Call us any time with questions: 480-970-5663480-970-5663

Or contact us online: http://wealthforlife.net/consultation/

Learn more on a live webinar: http://wealthforlife.net/webinar/