For most in retirement, they have some form of retirement savings.  Most will have enough saved along with Social Security retirement to Manage the everyday cost of living.  If they don’t lose it!

Return of principal is now more important than return on principal.  So how do you guarantee that you will not lose money? 

By not investing your hard earned, hard saved retirement money into anything where you can lose money.  And that isn’t the stock market, your nephew who wants to borrow money from you to start up a “can’t fail” business opportunity, or any number of other places where you might invest.  If it doesn’t have a guarantee, you can lose money.

We hear clients say all the time that their broker has their money conservatively invested.  What does that mean?  They say it like they cannot lose money.  They are wrong.