How investment propaganda is creating a retirement crisis

With the stock market down near 10% since June, those that are near or in retirement NEED to understand how negative sequence of returns truly effect their retirement income and retirement stability. I encourage you to watch this guide explaining the nonlinear relationship between portfolio losses and the exponential required recovery to get back to breakeven. More important than the staggering relationship between losses and required gains to breakeven is the amount of TIME it takes to get back to breakeven. The idea of "passive investing" or letting "time smooth out losses" is complete hokey. When you understand the actual mathematical relationship, it will really make you wonder who those BS lines of propaganda really serve... Definitely not you (consumers) or I (independent financial advisors... I hope you find "How investment propaganda is creating a retirement crisis" informative!

Link to downloadable spreadsheet: https://docs.google.com/spreadsheets/d/1c1kip74d7iAHstZolOlCV7Blaq0rhsHJMp-36C1y7kY/edit?usp=sharing

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Eric Amzalag, CFP®, RICP®

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00:00 Introduction
01:02 How to quantify investment risk in a retirement portfolio
01:31 In what areas of our lives would we just "shut up and take it"?
02:03 What do the numbers say about unrealized losses in investment portfolios?
02:37 A Downloadable FREE Excel Model for Investment Losses
03:46 Investment Losses are Linear, Gains to Recover are Exponential
04:39 How long (in years) does it take to recover losses?
06:27 Some Examples - a 30% Market Decline
08:12 How does Sequence of Returns effect this model?
09:48 Financial Propaganda is Creating a Retirement Crisis
10:15 Teaser for my next video - debunking the 3 fund portfolio
11:49 If you'd like to work with us

Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

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