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The following article helped investors avoid costly mistakes in the late 1990’s.  You may want to give it a quick read.

Will a Bear Market Wreck Your Retirement Plans?

The last thing a retiree or anyone saving for retirement wants to think about is a bear market. And this is not meant to be a scary story - just a realistic one. The odds that things will go wrong are unnervingly high. Despite the fact that the markets moved up most of the time, we've suffered through 14 bear markets since the early 1950s. It seems a bear attack every 3 years is a reasonable expectation. The average decline in stock prices was 24% over eight months and time to recovery was 13 months. Based on this historical evidence, the future may look as shown in the illustration.

Clearly, the loss of $420,000 represents substantial risk. The growth rate tumbled from 15% to 9.5% per year, and we factored in only 2 bear attacks. History shows that more are typical during a 15 year period. Because bear attacks are so costly, investors need to focus on proven risk management strategies. The losses avoided will help maintain life styles, achieve retirement goals, and keep peace of mind.

We can help.  The foundation of our investment philosophy is to increase and maintain wealth regardless of market conditions.  To learn more, please go to our Investment Process.

If you would like to benefit from the 5 by 15 Solution, please give us a call.  But do it now.  The beginning of a bear market is impossible to predict.  Every bear market begins as a healthy correction.  You should have a disciplined risk management strategy in place at all times.

The above recommendation/proposal shall not be considered accurate and complete.  The information supplied has been obtained from reference sources deemed reliable.  Past performance is no guarantee of future results.