IS YOUR MONEY PROTECTED AGAINST A CRASH
- philmcavoy
- Sep 29
- 3 min read
Is your retirement account built to survive a Stock Market Crash?
I would imagine that you remember the stock market meltdowns in 2001 and 2008. People who retired in the year 2000 were extremely unlucky. Their timing could not have been worse.
The stock market dropped by 49% in 2001 and 2002. And just when the market recovered in 2007, it dropped by 54% in 2008. Prices did not recover from the 2008 crash until 2013.
People who retired in the early 2000’s had their retirement plans destroyed.
If you are in retirement or nearing retirement, how would your investments do in an ugly bear market?
Stock prices are at all-time highs, and many are worried about excessive valuations. In fact, the last time the stock market was overvalued by this much was in 1999 before the dot-com crash.
As a result, it can be an uncomfortable time to be an older retirement investor. The market will recover from any potential market crash, but it can take up to four years on average. Older investors don’t have the time to simply “Buy & Hold & Suffer”.
Nobody knows exactly when the next ugly bear market will occur, but it will happen.
What are you supposed to do? You learned in 2022 that sticking with the plain-vanilla investment strategies recommended by the investment industry don’t protect you from major losses. Bonds lost as much as stocks in 2022.
Panicking is not the answer either. The worst thing you could do is to invest emotionally and get out of the market at the wrong time.
The only good solution is a disciplined and proven approach to managing your retirement investments.
I have created a smarter way for older people to invest.
The investment professionals put you in a cookie-cutter portfolio that includes a mix of stock and bond funds that produces mediocre returns and does not always keep your money protected when markets fall. They ask people to stick with this strategy through thick and thin. They only do a simple rebalance once per year.
After decades of research and testing, I discovered that the stock market goes through three different trading cycles over roughly 8-year periods. Utilizing a different investment strategy in each trading cycle produces significantly better investment results (potentially doubling your investment returns).
Most importantly, my proven and effective investment strategy protects your savings during the dreaded bear market cycle. Bear markets lead to average losses of about 37% on average. The bear markets of 2001 and 2008 produced losses of roughly 50%.
My system has proven that you can have both high growth in your investments AND protection against losses at the same time.
Today, I would like to give you a free copy of the latest research on how to protect your life savings. This guide will show you exactly how we achieve such outstanding results for our clients.
Click here to get your FREE copy of this important report for older investors.
Stay Disciplined My Friends,
Phil
Disclaimers The Beyond Buy & Hold newsletter is published and provided for informational and entertainment purposes only. We are not advising, and will not advise you personally, concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. Beyond Buy & Hold recommends you consult a licensed or registered professional before making any investment decision.
Investing in the financial products discussed in the Newsletter involves risk. Trading in such securities can result in immediate and substantial losses of the capital invested. Past performance is not necessarily indicative of future results. Actual results will vary widely given a variety of factors such as experience, skill, risk mitigation practices, and market dynamics.



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