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Safe Money Investing in a Turbulent Stock Market

There are a few things you need to know to keep your money invested safely. First, the stock market is not a very safe place to put all your eggs in one basket. You do need to diversify your portfolio to ensure you keep up with inflation.

Have you ever heard of an institution or advisor that invests your money and takes control of your finances like Bernie Madoff or The Stanford Financial Group. Many people just open an account and have all their money invested with these types of financial institutions. The problem is that whether these people make or lose money, they still get a hefty commission on your money. They also have full control over your money, so these institutions or individuals use your money to run illegal Ponzi schemes, as long as they continue to get new money from investors, it seems like they are investing your money in the right way. They guarantee a rate of return of 10% or more.

The problem I have with not being able to control my finances is that you never know what is going on with your money. Investors became creditors to these institutions, and many never got back the money they invested.

As an investment advisor, I always make sure my clients can log in and manage their money and see how their investments are doing.

As of this writing, the stock market is very unpredictable and falling sharply, and my focus is on investing with nothing to lose and being as tax-efficient as possible. I have invested millions of dollars and I make sure that losses are not part of my philosophy. If your job offers a 401k plan, you will still need to invest in that plan, but diversify your investments in the 401k plan and make sure to allocate some funds in the money market sector to limit exposure.

I use annuities and insurance as a way to invest large sums of money, earning handsome returns of 7% and above even in a down market, without the risk of losing any of my principal. If you invest strictly in a fixed annuity, you will not keep pace with inflation. If you invest in a variable annuity, you are exposed to stock market risk and could suffer large losses. I’m an expert on indexed annuities, I’ve sold millions of annuities and they’ve been growing because of the security of the principal and being able to keep up with inflation and tax deferral of returns is important.

When you put a lot of money into an indexed annuity, you also have low management fees, unlike a variable annuity, which, like the stock market, requires a person to manage the money with added fees. Indexed products are compared to benchmarks such as the S&P 500 or other indices, thereby reducing operating expenses. Buying an indexed annuity requires strict adherence to ensure that this type of investment is right for you. First, I need to make sure that this investment is suitable for investors since your funds are locked for a certain period of time. The company will also ensure that the investment is suitable for the buyer, and then the investor has a free inspection period to ensure the investment is suitable. Most of the time annuities are not suitable for someone in their late 70’s or 80’s, but compliance will vary. If the client is approaching 80, we look at the indexed life insurance policy to see if we can solve the problem for them. I do a good job of due diligence to make sure my clients are the right product for their money problems.

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