Risk
Risk
What Is Market Risk?
One factor that many people do not consider carefully when investing their money is the concept of Risk.
Market Risk refers to the possibility that the value of your investment will go down because of changes in the broader economy that you cannot control. Examples of these changes include stock prices, interest rates, currency exchange rates, commodity prices, and many other factors.
What Does This Mean For Me?
Many people may be tied, in part, to market risk. For example, many educators use 403(b)/IRA accounts to save for their retirements. 403(b)/IRA accounts are often used to purchase stocks and other securities.
Because you could lose money in market-based investments. It’s important that you go into any investment with a full understanding that you could lose some or all of your money in any one investment.
What Can I Do
In many cases, the investments or strategies that offer higher reward potential also include higher market risk. It is important to balance possible reward with risks when investing for the future.
There are financial and insurance solutions available that can help you establish a protected financial foundation and protect against the downsides of market risk.
What Is Market Risk?
One factor that many people do not consider carefully when investing their money is the concept of Risk.
Market Risk refers to the possibility that the value of your investment will go down because of changes in the broader economy that you cannot control. Examples of these changes include stock prices, interest rates, currency exchange rates, commodity prices, and many other factors.
What Does This Mean For Me?
Many people may be tied, in part, to market risk. For example, many educators use 403(b)/IRA accounts to save for their retirements. 403(b)/IRA accounts are often used to purchase stocks and other securities.
Because you could lose money in market-based investments. It’s important that you go into any investment with a full understanding that you could lose some or all of your money in any one investment
What Can I Do
In many cases, the investments or strategies that offer higher rewards, also have higher market risk. It is important to balance possible reward with possible risk when making plans for the future.
There are financial solutions available that help establish a stable financial future while protecting against the downsides of market risk.
Retiring Edu DBA For Teachers Financial & Insurance Solutions
Retiring EDU is an Insurance Firm that offers retirement income and protection strategies using life insurance and annuity products. Our services focus on the financial needs of educators and school employees, and include a complimentary pension analysis. Our licensed insurance professionals are independent and can offer a wide array of insurance products and services to help meet your unique needs. CA insurance license #6012432.
We are not affiliated with any educational or government agency, and do not provide investment, tax or legal advice. Always consult with your own qualified investment and tax/legal advisors.
Insurance and annuity products are not suitable for everyone. They involve fees and charges, including possible surrender penalties. Optional benefits and riders may involve additional annual cost. Life insurance involves medical and often financial underwriting to qualify.
Life insurance loans and withdrawals will reduce policy death benefits and cash values and may cause the policy to lapse or require additional premiums to keep the policy in-force.
Annuity withdrawals are subject to ordinary income taxes, and potentially a 10% IRS penalty before age 59-1/2. Product feature and availability may vary by state.
Fixed indexed life insurance and annuities are not investments in the market or index. The interest credited on your contract may be affected by the performance of an external index. However, your contract does not directly participate in the index or any equity or fixed interest investments. You are not buying shares in an index. Interest credits are subject to limits set by the issuing company, such as caps, spreads and/or participation rates. Guarantees are backed by the financial strength of the issuing company.
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