Without a Net

If you are heavily invested in the stock market as a means of planning your financial future, you probably sweat a bit every time the market fluctuates. That’s a common reaction, and many investors are finding themselves sitting down with financial advisors in order to make sure they are secure.

As a result of the uncertainty that is pervasive these days, some advisers are offering stocks with “safety nets.” These are investments that essentially put more money in the pocket of the adviser and offer a very low return for you. If you hear the words "equity-indexed annuity" or "living benefit guarantee," head for the hills. That just means that your adviser is trying to offer you an insurance policy on your investment—and there is no real way to insure the stock market!

When the market goes down, just remember the advice of the experts—having more money doesn’t happen overnight! Find a smart adviser that can help you adjust your goals in a rational way, so that you’ll be ready for the future no matter what it looks like! [Money]