When is Zero your hero?

Answer: When you want the returns of the stock market without the roller coaster ride.

We currently live in a financial environment with extremely low interest rates and a volatile stock market. Many investors and retirees have to chase higher returns by exposing their money in the stock market because CDs and other safe vehicles don't exist anymore at rates of 5% or more. In the past (say 15 years ago), retirees did not have to be in the stock market because the higher CD rates allowed them to beat inflation and grow wealth at the same time without risk. There are now insurance instruments that will allow you to grow your wealth in the stock market while protecting your principal.

For example, if the stock market returns 10% one year, that will be your return (as opposed to 2% in a CD, barely keeping up with inflation). On the other hand, if the stock market loses 5% or 10% or even 20% in value (or more), your loss is ZERO: your principal is always protected. That is why ZERO is your HERO.

For more information about this product, e-mail me at brian@brianquigleyinsurance.com.

Take the ups, but not the downs: when Zero is your Hero!