The Safe Money Book
Grab a copy of our book to learn more about investing for retirement.
The MoneyWorks Show
David is an experienced retirement specialist sharing his expertise as the host of Safe Money and Income Radio on KRLD 1080 AM. As the host of the Safe Money and Income Radio show, he is frequently approached to speak on safe money concepts.
Can you afford losses in your retirement?
Sometimes the first step is the hardest. We want to make it easy for you and take away the anxiety and uncertainty that often comes with working with someone new.
Our planning focuses on protecting what you’ve built while creating dependable income—so market swings don’t dictate your lifestyle. If you’re unsure where to start, we’ll walk with you, one clear step at a time.
Rule #1: Never lose money. Rule #2: Never forget Rule #1.
Here’s why avoiding losses matters
Recovering from drawdowns gets exponentially harder the deeper the loss.
If you lose
25%
You need ~33.3% positive return to get back to even.
If you lose
50%
You need 100% positive return just to break even.
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? What? How can that be? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again.
Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the task of going from $50,000 back to your original deposit of $100,000—a return of 100%. How long will that take? Two years? Five years? Ten or more? What if you experience additional losses while trying to get back to even—or you’re drawing income from the account?
We believe the best way to make a dollar is to keep it. Retirement is a critical time, and most retirees simply don’t have the time to recoup large losses. Let us show you how we help clients pursue a reasonable rate of return—often in the 4–6% range—while prioritizing safety.
Educational information only—no guarantees of investment results. Product features and guarantees (if any) are subject to issuing company terms and claims-paying ability. Past performance is not indicative of future results.
