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The Water Cooler
General Discussion
Can Investments Be Guaranteed Against Loss ?
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<blockquote data-quote="k4ylr" data-source="post: 3314234" data-attributes="member: 40231"><p>I feel like all of these suggestions are missing the point where you said you <em>just retired </em>but are also looking to invest. There's a lot to unpack with that statement because at face value you are way behind and a traditional investment scheme isn't necessarily the best option.</p><ul> <li data-xf-list-type="ul">Are you moving investments from an employer sponsored plan?</li> <li data-xf-list-type="ul">What's your income right now? Pension, SSI or other source of fixed income</li> <li data-xf-list-type="ul">Are you of retirement age or have you retired early?</li> </ul><p>Some fund managers might lever (and inverse lever) to protect against large swings but those are infrequent and not usually advertised at first. There's always risk involved with investing; it's usually the first sentence of every financial advice book ever. I would take any "guarantee against loss" from a company that makes money, on your money with a huge grain of salt.</p><p></p><p>If you feel you need full blown financial advice, I'd echo the sentiments of finding a fee only adviser to help direct your investments. If you feel like going solo I use Vanguard to manage several investment accounts and they are a great option with free trades, low fees and lots of help.</p><p></p><p>Depending on how you answered the above questions, your best bet is a fixed income vehicle like an annuity, high yield savings or a relatively safe high dividend ETF.</p></blockquote><p></p>
[QUOTE="k4ylr, post: 3314234, member: 40231"] I feel like all of these suggestions are missing the point where you said you [I]just retired [/I]but are also looking to invest. There's a lot to unpack with that statement because at face value you are way behind and a traditional investment scheme isn't necessarily the best option. [LIST] [*]Are you moving investments from an employer sponsored plan? [*]What's your income right now? Pension, SSI or other source of fixed income [*]Are you of retirement age or have you retired early? [/LIST] Some fund managers might lever (and inverse lever) to protect against large swings but those are infrequent and not usually advertised at first. There's always risk involved with investing; it's usually the first sentence of every financial advice book ever. I would take any "guarantee against loss" from a company that makes money, on your money with a huge grain of salt. If you feel you need full blown financial advice, I'd echo the sentiments of finding a fee only adviser to help direct your investments. If you feel like going solo I use Vanguard to manage several investment accounts and they are a great option with free trades, low fees and lots of help. Depending on how you answered the above questions, your best bet is a fixed income vehicle like an annuity, high yield savings or a relatively safe high dividend ETF. [/QUOTE]
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