The 2018 Bull Market That Didn’t Happen

So many had great expectations for a huge Bull Market to pull them through in 2018.   The sorry thing is, the bull never showed up.  Markets simply did not make higher moves that were sustainable. And so, the market of 2018 ended up almost where it started on January 2, 2018.  This has left many licking their financial wounds and rubbing their financial bruises as the volatility of the market was pretty rough throughout the year.

Things that never happen, that you had hoped and expected to happen, can leave you vulnerable financially.  That is why guaranteed sustainability is so important when you are looking for security and long-term reliability, things that the markets can never provide.

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Granted, there will always be opportunities that arise where you can earn rapid returns when certain market conditions present themselves. But here’s a problem. Most people don’t have a big enough buffer, either of time or money, to weather the market storms.  And so, when market corrections or downtrends occur your returns head south as well.

Aesop’s Story of the Tortoise and the Hare is an analogy of how people live their life. Some attempt to go through at high speed, quickly while others plan to slowly and steadily win the race. You know the end of the story.  The slow and steady Tortoise wins the race because the Hare became overconfident in his own skills and prowess and ended up finding himself behind at the end.

The Hare is akin to those who mock the steady, guaranteed gains of participating whole life insurance (PWLI).  Slow and steady the PLWI at first appears it could never reach the glorious heights and returns that the stock market, index funds, mutual funds or EFTs can reach.  But when the dust settles and the market closes, PWLI typically wins the race because of its steady sustainable gains that are guaranteed and not subject to the giant losses that market volatility produces on a fairly regular basis.

2018 was one of those years.  It became a downer for most people who held stocks, index funds, mutual funds, or EFTs.  But for those who held PWLI products, it was a profitable year just like 2017, 2016 and hundreds of years before that.  Statistically, those steady gains of PWLI have made it one of the most trusted financial tools for those who are serious about winning their financial game.  And the sooner you start your own PWLI, the more guaranteed gains you will be able to accumulate in your lifetime.

That is because PWLI is not the type of life insurance you purchase merely to have a death benefit.  It is the McFie Insuranceof PWLI that make it so attractive to those who really plan on winning their financial game. Because life doesn’t necessarily reward those who are swift and speedy, but rather life tends to favor those who are slow and steady just as Aesop foretold years ago.

If you don’t own PWLI, then 2019 is the best time for you to change that fact.  Time is always on your side when you begin and always against you when you haven’t started.  2019 is here, it’s time to begin.

Happy New Year and many prosperous years to come.

Dr. Tomas P. McFie

Most Americans depend on Social Security for retirement income. Even when people think they’re saving money, taxes, fees, investment losses and market volatility take most of their money away. Tom McFie is the founder of McFie Insurance which helps people keep more of the money they make, so they can have financial peace of mind. His latest book, A Biblical Guide to Personal Finance, can be purchased here.