- Retires at age 65 in 1995
- Has retirement portfolio worth $250,000
- Withdraws 5% of original $250,000 portfolio value or $12,500 annually for all years
- Average annualized return over 18 years is 11.74%
- 18 years later, portfolio is worth $609,650
Let us help you protect your clients' retirement income from market volatility.
We’re currently in one of the longest running bull markets in history. Since March 2009, the S&P 500 has risen 249 percent. After nearly a decade of growth, it’s easy to shrug off a potential downturn.
But if history repeats, we're due for a correction. And you may need help to withstand the next downturn or bear market.
NEW! Have clients who are seeking growth but have less time to recover? Share our latest video on growth potential without any down-market risk. And be sure to tap our other videos on retirement challenges, including tackling market volatility.
Chapter 1
Watch and share this two-minute video with your clients to help get a conversation started about any potential risk their retirement strategy may face. Watch Video
Chapter 2
Does market volatility give you motion sickness? Check out an alternative that can provide downside market protection! Watch Video
Chapter 3
Are you less than five years from retiring but still want growth? Discover an alternative growth potential strategy with no risk of negative market performance. Watch Video
Skip the guesswork—download these guides to prepare for what comes next.
No one knows for certain when this bull market will stop running. So don’t get caught guessing—download these useful guides to help your clients prepare for what comes next.
Timing risk: see how portfolios change based on retirement year.
Consider a hypothetical scenario where two people—Polly and Peter—have nearly identical situations but have completely different outcomes due to one key difference: when they each decided to retire. Use the interactive chart below to see how the unfortunate timing of Peter’s market losses causes a major impact to his assets.
Polly
Retired during bull market
Peter
Retired during bear market
- Retires at age 65 in 2000
- Has retirement portfolio worth $250,000
- Withdraws 5% of original $250,000 portfolio value or $12,500 annually for all years
- Average annualized return over 18 years is 7.03%
- 18 years later, portfolio is worth $79,520
Use the toggle switches to view the performance of each portfolio and compare their values after 18 years of retirement.
S & P 500
Dot-com Bubble of 2000-2002
After years of soaring speculations about the potential of any company with a “.com” in its name, the infamous “Dot-com” bubble finally burst. Following its peak in March of 2000, the NASDAQ® Composite index fell 78% for 30 months.
Global Financial Crisis of 2007-2009
The Global Financial Crisis is considered the worst financial crisis since the Great Depression of the 1930s. It began in 2007 with a crisis in the subprime mortgage market in the U.S., and developed into a full-blown international banking catastrophe in 2008. 401(k) plan participants with $200,000 or more in their accounts saw the value of their portfolios drop by an average of more than 25%.
PAST S&P 500 INDEX PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. THE S&P 500 INDEX IS NOT AVAILABLE FOR DIRECT INVESTMENT. This hypothetical chart is for illustrative purposes only and not indicative of any particular investment product. The chart reflects reinvestment of dividends but does not reflect any product charges, fees or the impact of any taxes over the time periods shown, all of which if shown would lower performance.
The annual total returns of the S&P 500 are shown from 1/1/95 through 12/31/17, with each year beginning on 1/1 and ending 12/31 for each calendar year shown.