What kind of retirement returns do I need?

Did you know that if you removed all of the down years the market experienced over the past fifty years, that you would only need to capture 27% of the upside to produce the same average returns?  That means that if you had no losses, that you would only need roughly one quarter of the positive return to make the same money. So for every year the market went up 10%, you only need to make 2.7%. And for every year the market went up 20%, you would only need 5.4%. It’s amazing how little of a return you need when you don’t ever lose money!  It was told to me early on in my career that we only have our dollars one time, and the key to financial success is holding on to as many of them as possible. The problem that most of us have is that we assume that we need higher returns than we actually do in order to retire. Therefore, we assume more risk than we need to in order to get where we want to go. Wouldn’t it be great if we could sleep confidently every night that we weren’t going to lose any retirement money?  And at the same time, know that we were going to have enough money to retire?  It’s not a dream!  There are a lot of options out there that allow you to invest money without any downside risk. The trick is finding investments that have no downside but unlimited upside. We all know that you can’t lose money in savings accounts or CDs. But what’s the return?  Probably not enough to retire on, unless you invest HUGE amounts of your monthly income. What if I told you that there was an option that would allow you to realize market based gains without market based loses?  You would probably assume that type of investment was only available to super wealthy folks with great connections. But you would be wrong. There are a handful of investment companies out there that actually want you to succeed as an investor.  Join my email list to get more details about how you can plan and invest for retirement while sleeping comfortably at night!  Email me at jbramley@mbi.agency