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                          The 401(k) Rescue®

 

                                      Saving Your 401 (k) Plan

 

Has the rollercoaster ride of the recent stock market fluctuations made you feel a bit uneasy?  Are you becoming a little concerned regarding your retirement funds?  Do you hesitate to open your quarterly statements? Do you remember your broker saying, “People can and will lose money” and you optimistically thought to yourself, “Yes, but not me!”  But, now you know better.

 

With low interest rates coupled with a turbulent stock market, many people are facing several significant challenges while preparing for their retirement goals. Can I retire when I planned, will there be enough to retire on, or worse yet, will I outlive my Income? In today’s financial environment, the     401(k) Rescue® provides the ideal solution for retirement readiness.

 

Many people have associated their retirement savings with the ups and downs of the Stock Market, which is usually true with the traditional 401(k) plans. But if we call them retirement savings, why do so many people put these critical dollars at risk in the ups and downs of the market? In those plans, you can save money for years only to see your retirement savings swallowed up by a weak or depressed market.  When this happens it will either delay the date on which you retire or drastically change the manner in which you spend your retirement.

 

Now you can rely on the 401(k) Rescue® not only as a Lifesaver but a Retirement Saver.

 

   How Employers Benefit From The 401(k) Rescue® 
 
• Reduce plan fiduciary responsibility
 
•Allows employees to remain focused on their job responsibilities rather than Market swings
 
• Safely prepares your employees for retirement
 
• Potentially allows for a much higher 401(k) participation by ensuring that every dollar that is contributed will be protected from any loss
 
   How Employees Benefit From The 401(k) Rescue® 
 
• Ability to Lock in present account value
 
• Avoid all future losses of principal and gains
 
• The 401 (k) participates in index gains up to a CAP while completely avoiding all losses

 
• Transferable - In the event the employee makes a job change, the account will move with them
 
• Guaranteed Lifetime retirement income is available
 
• Customized product selection based on the needs of the plan participant

 

 

                                               Why 401(k) Rescue®?

 

Where will the market be when your employees are ready to retire?  Will it be up, down, flat or will it be worse? 

 

When it comes to protecting your employees retirement income, you can see the effect of a 10% to 20% slide (or worse) would have on your valued employees retirement. If the market didn't perform as you expected, would your employees be able to retire?  What if...they had already retired and THEN their income was cut by a drastic market slide?  Would they have to go back to work?  Or worse yet…would they be able to? 

 

Questions such as these should be a concern to all of us. Preparing for retirement means asking a lot of tough questions and addressing many different scenarios. But, times change and so do retirement products and new solutions develop!

 

No one wants to see their employees retirement savings destroyed if the country saw another terrorist attack  or huge swings in the market.

 

Did you know that when the market deteriorates by 20%, you must then earn 25% to get back to a break even point? A 40% deterioration would take 67%  to get back to a break even point. And a 50% deterioration would mean that you would have to double your remaining money to back to get to that break even point.

 

                                Not exciting, but true.
                                       Do The Math!

 

The 401(k) Rescue® addresses all your employees retirement concerns and helps you sleep easy knowing your employees retirement income is safe and guaranteed.

        With the 401(k) Rescue® You don’t have to:
 
• Have a full understanding of the Stock Market
 
• Hope you choose the right model of diversification
 
• Comprehend Asset Allocation
 
• Manage Portfolios
 
• Balance between Long and Short term
  
• Worry if the latest  recommendation is right or wrong
 
• Watch money disappear due to a “Correction”
 
                     The 401(k) Rescue® Offers:
 
• Peace of mind in a turbulent market
 
• An assurance for a Safe Retirement

 

 

 

               Professional Benefits Group, LLC

 

                               Call Today!

 

                            636-227-3465