Concerned about the rocketship rise of the stock market?

Well, I'd be lying if I didn't think you should be.  The market  has been going up like an elevator for the last year.  This is a good thing as long as it continues.  But, we all know it can't.  Think housing prices in 2007 or tech stock prices in 1999.  More recently you have seen the Bitcoin go from a little over $1000 to nearly $20,000 in less than 12 months.   Prices of anything shouldn't rise that fast unless there is a problem with supply or it's a bubble.

If you are planning on retiring in the next several years it becomes an issue of what to do.  You want to participate in one of the biggest run-ups in the stock market in the last decade, but you also want to miss the inevitable correction.  Fixed indexed annuities are the perfect hedge against market risks.  

They are designed to allow you to participate in market gains while protecting you from the downside losses when the market corrects.  If the market tanks they provide a floor usually of 0% which gives you the best of both worlds.  You get gains as the market goes higher and are protected if it takes a turn for the worse.

In general if retirement is a few years off you should consider moving money out of the stock market into things like annuities that are specifically designed for the growth AND protection of assets.  It's tempting to chase gains in a market like we are seeing, but everyone has seen how this eventually ends.  For those who haven't planned correctly it's painful to watch 30% of your gains disappear.  We have a number of solutions that can help you avoid that.