![]() | |
Home
Education
Contacts: admin@sweetnovember.net 8 Advantages Of Online Driving Schools Advantages And Disadvantages Of Government Alto Music Best Guitar Shop Atlanta Motor Speedway Driving Schools Cooking Class The Perfect Gift For Any Austin Driving Intoxication Course Why Not All Driving Feel The Mirth Of Natural Getting Cheap Auto Insurance In South Government Grants And Scholarships For Students Government Purchasing Laws Homes In Hudson Valley At An Ideal How Government Jobs Could How The Government Can Assist How We Find Best And Top Schools How We Find Best And Top Schools Hudson Jeans For A Perfect Hudson Jeans Probably The Best Hudson Rodriguez Dating Hudson Valley Wine Trail And Neighboring Importance Of Air Purifiers Importance Of Government Jobs Its A Miracle a Plane Jennifer Hudson Family Funeral Update Kate Hudson Changes Views And Is Now Considering La Jolla Schools Unique Libraries Vanishing In Michigan Schools Limestone Mining Within Communities Of South Michael Kors Hudson Downtown Models On The Government Motorcycle Sturgis Bike Rally In South Online Government Auctions Payroll South Dakota Unique Places To Meet Singles In South Quality Among Driving Schools Richard Hudson Takes The Helm At Dynamic Sioux Falls Chiropractors Leading Health Professionals South Dakota Pheasant Hunting Taliban Infiltrates South Dakota Legislature The Benefits Of Graduating The Most Common Types Tips To Government Bidding Try Out Hudson Jeans And Get Used Weight Loss Surgery In South 4 Key Qualities of the Best A Proud Member Of The Key Stone A Tough Time for The Coalition Asset Protection How to Get it Right Automobile Accident Litigation Overturning the Unfavorable Can Randy Couture Defeat Mirko Canadas Beautiful Fraser Valley A Buyers Coalition For Deadbeat Dads Coalition Success in Any Language Coalition of Religious Communities Dealing With Interrogation Good Democratic Policing Management and Organizational Issues Essential Facts About Modern Street Fear and Greed Film Tax Credit Financing in Canada Good Cop Bad Cop Good Cop Bad Cop Interrogation Governance and Structure of Home Higher Education and Society Higher Stakes How Street Furniture Is Built to Last How to Ride Your Bicycle Safely Importance of Warning Street Signs Iraq Coalition Keep Cop Removal Marketing and Privacy Law What You Need Mirko Cro Cop Filipovic Who Can Stop Mommy Coalitions A Mothers Playing Cops and Robbers How to Host Police Brutality Police Costumes That Can Stop Traffic Police Written Exam How To Think Politics of Coalition and Contradictions Privacy Issues in Real Estate Rebranding The Nigerian Police Sexy Cop Costumes Stylish Shrinking Coalition Street Fight Quick Technique Street Fight Surprise Street Fighting One Way To Make The Coalition For Better Student The Components of the Perfect The Municipal Budgets II Roleplayers Documentation Tips for Finding States Travel Warnings and Coalitions Used Police Cars What Are the Qualities What is Neighbourhood Policing What to Do When Your Employer Who in the Police State Gets | Fear and Greed on Wall Street![]() A recent online article from CNN Money titled "Fear and Greed Index" (index that measures the investor's fear or confidence while in the market) illustrates an accurate description of what is happening on Wall Street. Because of the recent volatility stemming around Greece and the Euro, and unemployment domestically, the fear and greed index for investors is all the way in the red (extreme fear). This means that investors as a whole do not put much faith in the outcome of their investments. Bottom line, volatility has become a normal event investors are unwilling to tolerate moving forward. Why is this happening? It's simple, most investors' retirement and financial goals have been severely disrupted over the last 10 - 12 years. They have to make up the losses and know that a volatile marketplace will not get them where they need for a secure retirement. Unfortunately, this trend is likely to continue and many portfolios will continue to suffer losses like we have seen over the last few years. The fear and greed index shows extreme fear for investors in every category. Every aspect of investing is being marked as red, from junk bond investing to safe money havens. At first glance you would think that safe money havens would put investor fears to rest. This is not the case. Wall Street's safe money havens are quite different from other Safe Money Vehicles (non-Wall Street affiliated products). On Wall Street, a safe money haven usually refers to either commodities such as gold and silver, which can be volatile, or FDIC insured accounts (i.e. money market accounts) that will usually earn 1/10th of 1% interest. Because Wall Street designs their business model around non-guaranteed leveraged assets, their safe money havens are either susceptible to loss of value (exposed to market volatility) or are accounts that basically break even (usually FDIC insured), exposing your money to inflation risk. Make no mistake about it, the reason the fear and greed index is so high is because in the market, investors have no guarantees in place in order to achieve their long term goals. With non-leveraged assets (assets with a minimum leverage ratio of 1:1) you can provide a moderate return without subjecting your money to volatility through a unique concept known as annual reset. Annual reset is a regulated concept (financial products protected by law) that will ensure you will never take a step backwards due to excessive volatility. There are millions of investors who have taken advantage of annual reset in order to protect their money from volatility. Those who implemented this philosophy prior to 2008 never lost a penny in the financial crisis when Lehman Brothers fell (at that time Lehman Brothers was leveraging their assets on a ratio of 33:1), and have experienced moderate returns since that point in time. These investors understand that regardless of how the market performs they have underlying guarantees that offer lifetime income or tax advantaged withdrawals (for those who qualify) that will avoid volatility and allow for moderate returns. Never heard of these financial products? There is likely a good reason why. Financial planners often fail to make recommendations to products that use annual reset (offering financial guarantees) because they deem it a conflict of interest. Financial planners are in the business of hedging against risk, not proving total protection from risk. These philosophies differ by the way the planning phase (usually based on how institutions leverage their assets) is approached in both long term and short term goals. Annual reset is tied to products that do not offer securities, which is often interpreted as a lack of control by financial planners. |
All rights reserved
Copyright © 2013 Safe Streets Coalition
Contacts: admin@sweetnovember.net |