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Do you know what to do in a bear market? We believe it’s especially important to have a plan when you’re in or near retirement and don’t have the time to rebuild your savings.

You may have heard that you should buy and hold though a bear market. After all, conventional wisdom holds that the market always comes back. While that has been true, it often takes years. The market didn’t get back to even after the 2008 recession until 2013. After the crash of 1929 and The Great Depression, the market took twenty-five years to recover.

If you’re close to retirement, would you want to delay your retirement to regain that loss?

And if you’re retired and living off your investments, what would happen if they dropped 57%like the stocks on S&P 500 Index did in 2008? Could you cut your cost of living in half while you waited for the market to come back?

Bear markets and downward spirals can be huge risks to your financial security – and could even lead to you running out of money in retirement.

That’s why we believe you need a strategy that tells you what to do in a bear market.  We think that by following an Invest and Protect strategy, you could help safeguard your retirement from a bear market. 
 
 

Why We Think You Need to Plan for Bear Markets.

The buy-hold strategy is apparently popular because it’s simple and works when you’re focused on growing your savings. But if you are retired or retiring soon, have you considered how you’ll live on those savings? If you want to have as much income as possible for the rest of your life, protecting your financial security is even more important than growth in our opinion.

Bear markets can be very dangerous to your retirement. You might have to wait years for the market to recover. You could lose a substantial amount of your retirement savings. And because bear markets are not a once in a lifetime event, you could experience several during your retirement—and probably will since they occur every 3-4 years on average. That’s why we think you need a plan for what to do in a bear market.

Why We Believe You Need a Plan to Invest and Protect

History tells us that bear markets will happen. How can you protect your life savings from them? At Retirement Planners of America, we use a stop-loss plan to protect your principal during bear markets.

Our Invest and Protect strategy keeps a close eye on the market so we can take action when it is trending into bear market territory based on historical data. We use an objective, mathematical formula to decide when to get out of the market and when to get back in so we can help protect our clients from what we consider major financial harm. Our Invest and Protect Strategy is designed to have unlimited upside as longas an upward trend lasts. Once the trend shifts in a direction that historically indicates a bear market is on the horizon, the strategy then alerts us to get out of the equities market with what we believe are tolerable losses.

We want your money to last as long as you do. We believe that protecting your retirement savings from market volatility is one of the best ways to do that.
Are you ready to meet with an advisor to talk about what to do in a bear market?
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RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. Past performance does not guarantee future results. Therefore, current or prospective clients should not assume that the future performance of the Strategy, any specific investment, or any other investment strategy that Retirement Planners of America recommends will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. References to recommendations made under the Strategy that predate 2011; and statements such as and similar to: “we told our clients to be out of the market in 2007 and 2008,” “we told our clients to get back into the market in 2009,” and “clients that followed our advice were out of the market in 2008;” refer to strategies collectively employed and recommendations collectively made by Retirement Planners of America’s principals while employed at Eagle Strategies, LLC., and also at Cambridge Investment Research Advisors, Inc. Three of the five principals remain as principals today, including the Retirement Planners of America’s founder, Ken Moraif. Retirement Planners of America has been employing the Strategy since its inception in 2011. Therefore, any references to Retirement Planners of America’s performance or its investment advisory recommendations predating 2011 generally refer to recommendations made by Retirement Planners of America’s principals at the respective other firms described above. Like all investment strategies, the Strategy is not guaranteed. It is possible that it can incorrectly predict a bear market (generally accepted as a 20% drop in a market index), which has, in-fact, happened before at Retirement Planners of America and affected its clients accordingly. When the sell / “protect” portion of the Strategy is implemented, affected investors will incur transaction costs and taxable accounts will incur tax consequences. However, when implementing that portion of the Strategy, Retirement Planners of America believes that the benefit of avoiding bear markets outweighs the burden of these transaction costs and tax consequences. Retirement Planners of America is not an accounting firm or a law firm. The receipt of personalized and tailored services, or access to financial or professional resources should not be construed as a guarantee of a particular outcome. Comprehensive or holistic financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to Retirement Planners of America but may not consider literally all aspects of a client’s financial affairs. 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The receipt of personalized and tailored services, access to financial or professional resources, or the experience or expertise of an adviser should not be construed as a guarantee of a particular outcome. Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. Third-party sites that are directly or indirectly linked or referenced above may collect information, including personal information relating your online activities over time and across different websites and other online services. 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