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🛑 Imagine This…
The market drops 20%… 30%… even 40%.
Most people panic 😨 — because their retirement account is dropping right along with it.
But what if your account had a 0% floor?
👉 No matter how much the market drops, your credited interest rate never goes below 0%.
🟢 What Is a 0% Floor?
A 0% floor means:
- 📈 When the market goes up → you can earn interest (within limits)
- 📉 When the market goes down → your credited rate is 0% instead of negative
💡 This is commonly found in strategies like:
- Indexed Universal Life (IUL)
- Fixed Indexed Annuities
⚠️ Why Losses Hurt More Than You Think
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Here’s the truth most people don’t realize:
- Lose 20% → need 25% gain to recover
- Lose 30% → need 42.9% gain to recover
🔴 Losses don’t just hurt…
They set you back years.
📊 Let’s Look at the Numbers
Two accounts start with $100,000
🔴 Traditional Market Account
- Year 1: -20% → $80,000
- Year 2: +12% → $89,600
- Year 3: -10% → $80,640
- Year 4: +15% → $92,736
- Year 5: +8% → $100,154
🟢 0% Floor Strategy
- Year 1: 0% → $100,000
- Year 2: +12% → $112,000
- Year 3: 0% → $112,000
- Year 4: +15% → $128,800
- Year 5: +8% → $139,104
💥 The Difference
- 🔴 Traditional: $100K → $100K
- 🟢 0% Floor: $100K → $139K
👉 That’s nearly $39,000 MORE — simply by avoiding losses.
🧠 The Real Strategy: Avoid the Downside
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Most people ask:
“How much can I make?”
Smart investors ask:
💡 “How much can I avoid losing?”
Because when you remove big losses:
- Your money compounds faster 📈
- You avoid “starting over” 🔁
- You reduce stress 😌
⏳ Why This Matters MORE Near Retirement
If you’re in your:
- 40s
- 50s
- 60s
You don’t always have time to recover from a crash.
📉 A bad market at the wrong time = delayed retirement or lifestyle cuts.
👉 That’s where downside protection strategies shine.
⚖️ Is This Better Than a 401(k)?
Not necessarily “better” — just different.
A smart plan may include:
- 401(k)
- IRA
- AND protected strategies like IUL
🎯 It’s about balance + protection + growth
⚠️ Important Fine Print
A 0% floor does NOT mean “no risk at all.”
These strategies may include:
- Caps on gains 📊
- Participation rates
- Policy fees or insurance costs
- Surrender periods
👉 Design matters. Strategy matters. Guidance matters.
👤 Who Should Look Into This?
This strategy may be ideal if you:
- Want protection from market crashes 🛡️
- Are nearing retirement ⏳
- Want tax-advantaged growth 💰
- Are a business owner or high-income earner 📈
- Want more predictability and less stress
🔥 Final Thought
It’s not just about how much you make…
It’s about how much you KEEP.
A 0% floor strategy can help protect your future from one of the biggest threats:
👉 Market losses at the wrong time
📞 Let’s Review Your Strategy
At Starwest Insurance, we help you:
- Protect your retirement 🛡️
- Grow your wealth 📈
- Reduce risk and taxes 💡
👉 Let’s see if this strategy fits your plan.
📱 Text me at 714-867-7799
☎️ Call the office 714-893-7271
