Protect your moneyIf you are retired (or approaching retirement in the next 5-10 years) you probably understand just how precious your retirement nest egg is. And you probably understand that once you retire, this is money that you cannot replace.

Not only that, but once you retire your steady paycheck will go away. That means your savings are going to be used to supplement your Social Security income and your pension (if you’re lucky enough to have a pension).

The problem you face then is, “How can I grow my savings without risking losing it all in a stock market crash?

Protect Your Money Options

Option 1:

One option is to put your money into bank CD’s. These are FDIC insured up to $250,000 per depositor. That’s one way to help protect your money.

The only problem is the current interest rates are very low. At the time of writing this article you can get about 1.0% on a 1-year CD.

That’s nothing to write home about.

In fact, that is not enough to keep up with inflation in most years. If you don’t keep up with inflation you will lose purchasing power. All that means is prices will go up faster than your portfolio, so it will take more of your money to buy the same goods.

Option 2:

Another option is to buy an annuity. If you want to help protect your savings from market downside risk, you better NOT choose a variable annuity. Variable annuities have separate accounts (essentially this is another word for “mutual funds”) that are invested in the market.

The value of a variable annuity can decrease if the underlying separate accounts (i.e. mutual funds) go down in value.

So that means you would want to go with a fixed annuity. Fixed annuities do not have market risk. They can typically give you a slightly higher rate of return than a bank CD.

Also, under the umbrella of fixed annuities is the product “fixed index annuities.” These can give you the potential for better growth than a CD by basing the interest you earn on an index, such as the S&P 500.

The downside to annuities is that you typically have to commit your money to them for several years. The range can be from 3 years up to over 10 years.

Personally, I think fixed annuities do a good a job of taking some of the risk off the table for a portion of a person’s investment portfolio. I use them for my clients to do this. Essentially we are aiming to decrease our client’s risk exposure as they retire or get closer to retirement by placing a portion of it into a vehicle where they can’t lose money even if the market crashes. 

But you may not like annuities. And you may be looking for something else. Well, there is another option. 

A Stock Market Option


There is now another option that most people do not know about. It is investing in a portfolio and utilizing the AssetLock™ technology. Here’s how this works:

AssetLock™ is proprietary software that helps to monitor your portfolio every day. It is a tool that is only available through a select group of advisors.

AssetLock™ answers 2 of the most important questions that investors may have:

  1. How much money do I have?
  2. How much is protected?

Here’s how it does that.

The software shows you these 4 important numbers.

  1. High Water Value – This is the highest value your portfolio has ever reached.
  2. High Water Date – This is the exact date your portfolio reached the high water value
  3. Current Account Value – This is the value of your portfolio as of the last closing day in the stock market.
  4. AssetLock™ Value – This is the predetermined amount of potential downside (loss) the portfolio should experience during the entire period of time the client is invested.

The AssetLock™ Value is always based on the High Water Value. Whenever the portfolio reaches a new high water value, the AssetLock™ Value goes up. And the AssetLock™ Value never goes down, even if the stock market drops.

What this means is that as your portfolio goes up in value, so will your AssetLock™ Value. And when the next stock market crash happens you’ll have the ability to help protect your profit and potentially avoid the effects of a major market drop.

You choose your own AssetLock™ Value:  5%, 10%, 15% or whatever makes sense for your situation and risk tolerance. If you are a conservative investor and determine that 5% is all you feel comfortable potentially losing, then you can set your AssetLock™ Value at 5% below your high water mark.

If you are more aggressive you can choose a 15% AssetLock™ Value.

The point is you are in control and you can set the downside risk that you feel comfortable with. This is the predetermined amount of potential downside (loss) the portfolio should experience during the entire period of time the client is invested.

Check out this 4 minute video to see how it works.

I am an approved provider of AssetLock™. I have found that it helps give my clients some added peace of mind when it comes to investing. And I’d be happy to show you how it works and how it could help you out.

Options To Help Protect Money Without Buying An Annuity

So now you can see that there are other options to help protect your retirement savings without buying an annuity. Here are some things to consider:

AssetLock™ can help you protect your portfolio.

However, if the thought of even a 5% loss of your portfolio is too much for you to handle, then a bank CD is possibly a better option. And obviously a fixed index annuity could be a good option too. With those 2 options there is no market risk to your portfolio. 

So your first step is to understand your risk tolerance. And understand your situation. Then you can pick the best option for you.

If you are looking for ways to help protect your retirement portfolio and need some advice then feel free to reach out to me. You can send me an email and ask a question at [email protected].

Or you can get on my calendar for a 20 minute phone conversation and ask me your questions. All you have to do is go to to claim a spot that is convenient for you. I’ll help point you in the right direction.

And if you know anyone that needs help protecting their retirement portfolio, be sure to share this article with them. I have made it very convenient to share it with your friends on Facebook by simply clicking the Facebook share icon to the left of the screen.

Best of luck!

Chris Hammond





Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

AssetLock tracking software is used to monitor the performance/growth of a clients’ portfolio, and to predetermine the amount of downside the client/s is/are willing to tolerate. It is NOT an actual stop loss, and may NOT automatically sell the individual securities in the portfolio. Therefore, the AssetLock value is a reference point to encourage a conversation between Chris Hammond and the client, and to determine if the client/s would like to liquidate the portfolio and move the assets into cash, reset the AssetLock percentage or reallocate to a different risk profile. Investing entails risks, including possible loss of principal. The use of tools cannot guarantee performance. Past performance is no guarantee of future results.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.