Crash-Proof Retirement: Strategies For A Secure Future

Crash-proof retirement investments are financial vehicles that protect your money from market volatility and economic uncertainty. These investments are designed to mitigate risk as you approach retirement, ensuring your nest egg remains intact. The strategy involves replacing risk-class investments, such as stocks, bonds, and mutual funds, with fixed-class investments that guarantee principal protection and generate market-like returns.

The key to crash-proofing your retirement is understanding your risk tolerance and adjusting your investment portfolio accordingly. This is often guided by the Rule of 100, which suggests that the percentage of risk in your portfolio should not exceed 100 minus your age. For example, if you're 80 years old, no more than 20% of your investments should be in risk assets.

Crash-proof retirement investments focus on principal-protected vehicles, often based in the financial life insurance industry. These fixed-class investments credit interest, providing steady growth without the threat of market losses. While they may not offer the same high returns as risk-class investments, they provide peace of mind and security for retirees and those approaching retirement.

Fixed-class investments are immune to market crashes

Fixed-class investments are those that guarantee principal protection while generating market-like returns. They are called fixed-class because they pay a fixed interest rate or dividend until maturity. This is in contrast to risk-class investments, which include stocks, bonds, and mutual funds. Risk-class investments experience unrealized gains and losses, and often come with hidden fees and upfront costs that limit the upside growth of an investor's portfolio.

Fixed-class investments include government and corporate bonds, which are the most common types of fixed-income products. They also include certificates of deposit (CDs), money market funds, and various types of US Treasury securities. These investments are considered to have lower returns and lower risk than stocks. They are recommended for conservative investors seeking a diversified portfolio.

The Wharton School of Business studied the performance of fixed-class investments, or Crash Proof Vehicles™, and concluded that they could not be placed in an existing investment product category. This is because they have the hallmark feature of asset growth while never losing investment principal to market risk or recurring fees.

Crash-proof investments are principal-protected

The first step to crash-proofing your retirement is to replace risk-class investments with fixed-class investments. This means reducing your exposure to stocks, bonds, and mutual funds and instead, protecting your nest egg with investments that guarantee principal protection while generating market-like returns.

Fixed-class investments credit interest, whereas risk-class investments experience unrealized gains. Fixed-class investments are also immune to market crashes or any loss on the market in general. When the market is performing well, fixed-class investments generate market-like returns as credited interest, which compounds on the investors' principal in the succeeding year. As the market falls, fixed-class investments stay level, earning no less than zero.

The Wharton School of Business conducted a study in 2010 on the performance of fixed-class investments and stated that they couldn't be placed in an existing investment product category. These investments are often referred to as Crash Proof Vehicles due to their hallmark feature of asset growth while never losing investment principal to market risk or recurring fees.

The Crash Proof Retirement System is a one-of-a-kind retirement strategy that utilizes a medley of interest-bearing Crash Proof investments. These investments are completely absent of fees, protecting you from losing your principal. They are consumer-driven investment tools designed to provide the kind of safety that is needed to get you through retirement.

The system was developed by Phil Cannella, the founder of Crash Proof Retirement. It is a unique philosophy born from the ashes of the financial collapse of 2001. Phil Cannella saw how many retirees were struggling and decided to create an investment strategy that guarantees preservation of principal, while still achieving adequate growth that exceeds the pace of inflation.

Crash-proof vehicles are investment contracts issued by insurance companies

Crash-proof vehicles are comparable to a maestro of a symphony orchestra blending many unique musical instruments. When in concert, they produce a beautiful melody. The Crash Proof Retirement Guide orchestrates and blends multiple financial instruments into a finely tuned arrangement that works in concert to achieve your financial goals. The guide provides for the division of your assets among various world-renowned, highly-rated companies.

There are multiple segments and various financial insurance instruments, divided into separate cycles: IRA assets and non-qualified assets (non-IRA). All of these are orchestrated together to achieve your particular goals, providing the guaranteed income you need while potentially growing your portfolio beyond the original deposits, without being subject to market risk.

The guide is designed to utilize your assets to provide maximum safety of principal while maintaining excellent growth opportunities and the flexibility to alter your income if needed. The plan also allows you to access lump-sum amounts in the case of an emergency.

Crash-proof vehicles are investment contracts that were created in 1995. A study by the Wharton School of Business in 2010 concluded that they couldn't be placed in an existing investment product category. They are referred to as crash-proof vehicles due to their hallmark feature of asset growth while never losing investment principal to market risk or recurring fees.

Crash-proof retirement is a consumer-driven process

The process is tailored to each consumer, addressing their financial concerns and retirement goals. It is designed to protect the principal investment while still achieving adequate growth to exceed the pace of inflation. This is achieved by utilising a medley of interest-bearing investment vehicles outside of the stock market that do not erase gains in the event of a market downturn.

The process is underpinned by a team of licensed retirement educators or advocates who work exclusively with retirees. These professionals are well-versed in income planning, tax planning, and estate planning, offering intense continuing education courses to ensure their expertise. They guide retirees through the process, providing financial literacy and building confidence to make informed decisions.

The consumer-driven nature of crash-proof retirement ensures that the investments selected are in the best interests of the retirees. These investments are chosen from the fixed-class category, which carries no risk of principal loss during economic fluctuations. While this may result in lower recurring fees for financial advisors, it prioritises the consumer's need for security.

The process is flexible, allowing retirees to maintain direct management over certain assets if they choose. It also provides access to their money at any time and ensures that beneficiaries receive the full growth of the investment upon the retiree's passing.

Overall, the crash-proof retirement consumer-driven process is designed to empower retirees, providing them with the knowledge and tools to make informed decisions about their financial future while ensuring the protection and growth of their retirement savings.

Crash-proof retirement is a one-of-a-kind strategy

The strategy is centered around fixed-class investments, which carry no risk of principal loss during economic fluctuations. These investments are protected from bankruptcy, allow access to your money at any time, and enable your beneficiaries to receive the investment's full growth at your passing. They are also immune to market crashes or any loss on the market in general.

The Crash-Proof Retirement System was developed by Phil Cannella, who founded Crash Proof Retirement. The system has already proven its worth by weathering the stock market crashes of 2008 and 2020. It is a consumer-driven philosophy that focuses on educating retirees about Crash Proof Investments, which are outside of the stock market and not typically recommended by financial advisors.

The Crash-Proof Retirement System combines various Crash Proof Investments in a harmonious balance, ensuring retirees have steady income and protection from losing their nest eggs. It is a unique approach to retirement planning that prioritizes the client's needs and goals, providing peace of mind and financial security.

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