 If you have any investments in the stock market, we can safely assume that you’ve called – or been calling – your financial adviser, paid close attention to the experts on TV, searched websites, or devoured newspaper columns and financial magazines looking for some sort of solution for your depleting assets.
The “long term” Fallacy
We are pretty sure you have been told by your financial adviser, heard the experts say, or read this golden solution blasted by conventional advisors: “Your losses are only on paper. Focus on the long term, because in  the long term – whenever that is – you’ll be okay.”
In essence, their solution and message to the millions of investors whose life savings have been decimated by the stock market meltdown is that they cannot afford to be old yet (i.e., think long term). They must delay retirement. And if they’re already retired, are they still to wait for the long term?
The truth is, those losses are REAL. Once you lose in the stock market, the investment is lost forever. When the market recovers, it is “new” money that comes back. In effect, if you had not lost, you’d have ended up with new gains on top of your previous earnings.
Holding stocks long term does not and never will eliminate risk. These so-called financial experts cannot and should not be telling investors – or even implying – that if they hold stocks long enough, the risk disappears and they’ll always end up in great shape.
What Is Long-Term, REALLY?
As an investor, you want to ask this question of your advisor, so at least you can know the perception of their answer: “Mr./Ms. Advisor, how long, exactly, is this “long-term” you’re referring to?” The fact is that investors who have had their money in the stock market for 3 or 30 years, alike, all lost significant portions of their nest eggs. So to profess that simply thinking long term is the answer is, frankly, false and absurd.
Laser Financial Group has always maintained that retirement planning should NOT be left to chance. We have never suggested that it is in the best interest of investors to put their retirement funds directly in the stock market – via stocks or mutual funds. Retirement is certain, and people’s livelihoods should be, as well. That’s why we recommend and help our clients secure less volatile, more stable investments. 
Imagine playing cards or slots at a casino where, at the end of your play, you were guaranteed to leave with no less than all the money you entered with (principal) plus, say, 2 percent more. On the other hand, if you won, you got to keep all of your gains, up to a cap of, say, 15 percent.
Is that an arrangement you could live with? This is precisely the strategy we advise for our clients. If you had been utilizing a strategy like ours during the market’s recent downturn, where would your retirement assets be today?
We would love to explain this radically different, fact-based, and practical approach that is being utilized by many smart investors to you. Please request your no-obligation consultation by calling (301) 949-4449 or visiting www.laserFG.com today! You may also attend one of our life-changing seminars/webinars.
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