Since 1929, we have experienced thirteen bear markets according to Standard & Poor's, with an average decline of 39.5% over a period of twenty one months. To recover that loss, a total return of the remaining principal of nearly 68% is needed. That is a lot of loss to make up.
With a bear market occurring on average about every six years, one would think all investment programs would have an effective method for limiting loss and maintaining as much principal as possible. Unfortunately, many "buy and hold advisers" comfort their clients as their portfolio values decline, paralleling market declines, having no strategies in place to limit loss.
Below are resources you may find helpful in assessing your investment needs.
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