Grow Your Wealth

Invest For Your Future

The sooner you start saving for retirement, the better. Even if you save through a retirement plan offered through your employer, chances are you will most likely still need to supplement your retirement savings with other investments.

How long of a retirement do you need to plan for?

The average 65-year-old can expect to be retired
for about:

How long of a retirement do you need to plan for?

How much money will you need for 20 years of retirement?

How much money will you need for retirement
Assumes 8% rate of return, a 25% tax bracket and gains are taxed as they are earned. Example is hypothetical and for illustration purposes only and is not intended to represent a particular product. Actual results may vary.

How much does it take to save $750,000 by the time you are 65?

Save $750,000 by the time you are 65

Assumes 8% rate of return, a 25% tax bracket and gains are taxed as they are earned. Example is hypothetical and for illustration purposes only and is not intended to represent a particular product. Actual results may vary.

 

Tax-deferred growth:

Tax-deferred means you don’t pay taxes on earnings that accumulate in your policy until you withdraw it. The money you would have paid in taxes each year continues to grow for you. Look at the difference between taxable and tax- deferred when saving $8,940 per year.

Tax-deferred growth

Assumes 8% rate of return and a 25% tax bracket. Example is hypothetical and for illustration purposes only and is not intended to represent a particular product. Actual results may vary.

Understanding Market Correction

This chart depicts the ups and downs of the S&P 500 from January 1987 – December 2017. Market corrections, which are declines of 10% or more, are indicated in blue. Bear markets are declines of 20% or more and are indicated in orange. Each one is labeled with the amount of the decline and the number of days it lasted.

Past performance is not an indicator of future results. You cannot invest directly in an index. Actual results may vary.

What is a Market Correction?

Market corrections are declines in the market of 10% or more. Bear markets are declines of 20% or more. Market corrections are more frequent than bear markets because they occur when the economy is still growing. Why would the market correct when there’s a positive economic outlook? Because sometimes investors become too optimistic. They create a rally that exceeds current economic performance and the market gets overextended. At that point, any bit of doubtful news can cause a correction.

However, if the future trend remains optimistic, buying should resume, leading toward more growth. It’s a natural part of the market cycle.

Exiting the market at these times generally isn’t a good idea. The stock market usually makes up market correction losses in about three months. If you sell during the correction, you will probably not buy in time to make up your losses.

What Can You Do?

The market going up and down is normal. But, if drops in the market may make you uneasy, here are some tips:
Speak with a financial professional to develop a savings plan, including how you’ll manage market declines. Sticking to your plan and maintaining a consistent strategy during both good times and bad will help you reach your goals for a fulfilling financial future.

The Value Of A Sound Financial Strategy

A sound financial strategy can help you achieve things that are important to you, like paying for your kids’ education or buying your own home. It can also help you ensure that your family is prepared for the unexpected, like a serious illness, the loss of a job or the death of a family member.

  1. Step One: Evaluate
  2. Step Two: Define and Prioritize
  3. Step Three: Create a Plan of Action

› Contact An Advisor

*Be sure to review your strategy periodically and adjust as needed.

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Securities are offered solely through Ameritas Investment Corp. (AIC), member FINRA/SIPC. AIC and Redbridge Financial LLC are not affiliated. Additional products and services may be available through Redbridge Financial LLC that are not offered through AIC. Securities products are limited to residents of Michigan, Arizona, Kentucky and Florida.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Redbridge Financial LLC will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.