Downturn Defense
Let us help you protect your retirement income from market volatility.

We’re currently in one of the longest running bull markets in history. Since March 2009, the S&P 500 has risen 249 percent. After nearly a decade of growth, it’s easy to shrug off a potential downturn.

But if history repeats, we’re due for a correction. And you may need help to withstand the next downturn or bear market. For a brief visual history of the market and alternatives built to help withstand its downturns, check out the short videos on this page.


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History of US stock Market
Watch this two-minute video about the history of market bubbles and bursts.

downside market protection
Does market volatility give you motion sickness? Check out an alternative that can provide downside market protection.

motion sickness
NEW! Chapter 3: Are you less than five years from retiring but still want growth? Discover an alternative growth potential strategy with no risk of negative market performance.

Of investors are concerned about a market correction.*


Of investors say a downturn would affect their plans to retire.*

Stock market

Middle-aged stock investors have $210,051 in the stock market today.*

1 in 10

One in 10 portfolios reduced by over 50% in 2008.*


Timing risk: see how portfolios change based on retirement year.

Consider a hypothetical scenario where two people —Polly and Peter— have nearly identical situations but have completely different outcomes due to one key difference: when they each decided to retire. Use the chart below to see how the unfortunate timing of Peter’s market losses causes a major impact to his assets.



  • Retires at age 65 in 1995
  • Has retirement portfolio worth $250,000
  • Withdraws 5% of original $250,000 portfolio value or $12,500 annually for all years
  • Average annualized return over 18 years is 11.74%
  • 18 years later, portfolio is worth $609,650


  • Retires at age 65 in 2000
  • Has retirement portfolio worth $250,000
  • Withdraws 5% of original $250,000 portfolio value or $12,500 annually for all years
  • Average annualized return over 18 years is 7.03%
  • 18 years later, portfolio is worth $79,520



Use the toggle switches to view the performance of each portfolio and compare their values after 18 years of retirement.

S & P 500

Dot-com Bubble of 2000-2002

After years of soaring speculations about the potential of any company with a “.com” in its name, the infamous “Dot-com” bubble finally burst. Following its peak in March of 2000, the NASDAQ ® Composite index fell 78% for 30 months.

Source: (12/19/2017)

Global Financial Crisis of 2007-2009

The Global Financial Crisis is considered the worst financial crisis since the Great Depression of the 1930s. It began in 2007 with a crisis in the subprime mortgage market in the U.S., and developed into a full-blown international banking catastrophe in 2008. 401(k) plan participants with $200,000 or more in their accounts saw the value of their portfolios drop by an average of more than 25%.

Source: (2/12/2009)

PAST S&P 500 INDEX PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. THE S&P 500 INDEX IS NOT AVAILABLE FOR DIRECT INVESTMENT. This hypothetical chart is for illustrative purposes only and not indicative of any particular investment product. The chart reflects reinvestment of dividends but does not reflect any product charges, fees or the impact of any taxes over the time periods shown, all of which if shown would lower performance.

The annual total returns of the S&P 500 are shown from 1/1/95 through 12/31/17, with each year beginning on 1/1 and ending 12/31 for each calendar year shown.


Want More?

Continue your planning process with these additional resources.

How to seek growth for your retirement.

How to turn your savings into steady income.