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The Alemian File Episode 6- Market Losses

By David Alemian

Market losses are one of the biggest reasons that so many people are not prepared for retirement.

Is there a place for stocks and mutual funds and other risky investments in your retirement plans? Yes, but only after, the key word here is after, you have enough retirement savings put away to last throughout your retirement.

Let me ask you a question…. Should you go to Las Vegas and then come home and try to figure out how to pay your bills? Or should you pay your bills first, and then if there is money left over go to Las Vegas? When it comes to retirement, most people go to Las Vegas first. Wall Street is the largest casino in the world. All those mutual funds, and stocks are nothing more the table games and slot machines in the casino. The financial advisor who sold you those mutual funds and/or stocks, he or she is nothing more than the dealer; they are there to take your money while you take all the risk. You can win in the short run, but in the long run you will probably lose.

You hear financial advisors say, don’t worry about losses, just stay in the market, the market always comes back…. The sad truth is, the market has all the time in the world to come back. Unfortunately you don’t, because time is not on your side. If you listen to those who tell you to put your financial future at risk in the markets, you won’t have enough money to last through your retirement.

So let’s get to the solution. Use a “properly structured,” indexed universal life insurance policy with critical and chronic illness riders as your primary savings vehicle. If the market goes up, you will get a reasonable rate of return. If the market goes down, your gains are locked in, and you could still get up to two percent, depending on the policy. That one step will protect you from market losses, and the riders can protect you if you are suffer with a covered critical illness or if you need long term care.

In the coming episodes, I’ll focus on how to protect you and your family from all seven of the retirement killers.

If you have questions, send an email to, because I answer every email I get.   In the meantime, check out and “LIKE” The Alemian File Facebook page, or simply go to the Absolutely, make sure you come back here next week to for another edition of the Alemian file

About David Alemian

Successfully creating affordable retirement plans guaranteed to last a lifetime is a unique, specialty skill. It’s a challenging arena but respected writer David Alemian makes it look easy. Alemian is a leading retirement expert and nationally recognized authority whose expertise is shared via video columns, numerous journals, and talk-shows.

His national recognition results from both revolutionizing and revitalizing how organizations and individuals like you and me plan and save for retirement. Alemian is considered “The Go-To Guy” for creating and implementing absolutely irresistible, lifetime retirement pension programs.

Formerly the host of “It’s About Money” Radio Show, Alemian has also produced and is featured in over 200 financial education videos. Additional content can be found in many well-respected, publications including: MD Magazine, Physician’s Money Digest, Physicians Practice, Journal of Clinical Oncology, Consultant Live, Psychiatric Times, Cancer Network, OB/, and The Healthcare Executives Network.