Mark D. Goldstein, CFP®
Certified Financial Planner
SAFE-Money Alliance

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Las Cruces, NM 88005
(575) 556-2472

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El Paso, TX 79912
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Rolling Meadows, IL 60008
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While you're still working, it might be a little unnerving when the market declines, but there's usually no major immediate impact on your standard of living.

After all, you've still got a paycheck coming in to cover your basic living expenses and you probably won't be needing to sell any stocks in order to buy groceries, right?

As a matter of fact, if you like gambling with your money, a big market decline could represent a buying opportunity. What the heck, might as well funnel a big chunk of your paycheck into the stock market and take advantage of the lower prices (Please note: This is NOT my personal recommendation, okay?).

Want to amass a significant retirement nest egg? Assuming you're a "rational" investor (unperturbed by market turmoil), you should hope for weak returns while you're saving for retirement, followed by a HUGE bull market as you're just about to finally leave the workforce.

The result: You'd be buying investments when they're cheap and selling when they're expensive.

However, what if you're not so LUCKY, and you retire into a major bear market?

Not so good. You see, you're retired and not saving regularly anymore, are you? And that means a tumbling market no longer represents a great buying opportunity.

I suppose some retirees could take advantage of a declining stock market by shifting some of their money from bonds to stocks. But instead of buying, you're more likely to be selling stocks as a way to generate income.

Wouldn't you agree that now that your "human capital" has stopped generating paychecks, you'll need your investment portfolio to take over that role instead?

And that's why it's so critically important to design a financial strategy that focuses less on growth and more on generating maximum guaranteed lifetime income... and completely eliminates the devastating damage done by sinking markets.