Do you have to sit on cash, or accept a bunch of risk? Not only no, but here are three great solutions.

Sitting on cash?  Here are 3 investments that have safety and upside.
BLUF (Bottom Line Up Front):  At the bottom there are three investments that have the safety features of cash but the upside of the market.

When I was growing up having $100 bucks in the bank seemed like a lot. Having helped people successfully get into, and stary, in retirement for 10 years now, running across people with $100,000 or more sitting in cash is not uncommon.

The market right now is giving mixed signals. Inflation is down, but is still 50% higher than the Fed’s target rate. And prices are still up over 25% from where they were when interest rates spiked.

But, month over month inflation is down.  So the Fed will keep lowering, right?

Here is the problem.

If the Fed keeps lowering interest rates, the money supply will increase. More dollars and the same supply will mean that prices will most likely start to climb again (inflation). That combined with a federal budget over 35T in debt, with no sign of slowing, means that spending (pumping more dollars) into the economy will most likely accelerate.

But if you are planning for retirement what you probably care the most about is the stock market 📈.

Why? Because you are too close to retirement and it mattters more than ever that your savings are there for you to spend when you pull the plug.
It is not uncommon for me to find clients with analysis paralysis sitting on piles of cash.

Investors typically do this for two main reasons:

1️⃣ They are close to retirement and cannot lose their money.
2️⃣ They believe there are no investments with little risk/good reward.

Luckily there are institutionally available investments that can help provide downside protection, while not having to settle for low, CD or money market like returns.

Watch the video below to learn about these three investments that help you invest so you don’t have to be right.

In the video I cover:

1️⃣ Buffered ETFs
2️⃣ Structured Notes
3️⃣ Fixed Indexed Annuities