{"id":5238,"date":"2024-06-20T14:36:04","date_gmt":"2024-06-20T18:36:04","guid":{"rendered":"https:\/\/oceanviewlife.com\/?page_id=5238"},"modified":"2024-08-27T17:37:28","modified_gmt":"2024-08-27T21:37:28","slug":"market-risk","status":"publish","type":"page","link":"https:\/\/oceanviewlife.com\/market-risk\/","title":{"rendered":"Market Risk"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;hero_section&#8221; css=&#8221;.vc_custom_1681183124475{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container inner_hero&#8221; css=&#8221;.vc_custom_1718753446390{background-image: url(https:\/\/oceanviewlife.com\/wp-content\/uploads\/2024\/06\/AdobeStock_842798687-scaled.jpeg?id=5240) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner][vc_custom_heading text=&#8221;Market Risk&#8221; font_container=&#8221;tag:h1|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;font_bold letter_spacing h1_small text_capitalize&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_section css=&#8221;.vc_custom_1706774990072{background-color: #f9f9f9 !important;}&#8221;][vc_row][vc_column][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;mobile_space_small&#8221;][\/vc_column][\/vc_row][vc_row el_class=&#8221;container faqs_wrapper&#8221; css=&#8221;.vc_custom_1706774983179{background-color: #ffffff !important;}&#8221;][vc_column css=&#8221;.vc_custom_1690282039820{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_custom_heading text=&#8221;Understanding Market Risk and How Fixed Indexed Annuities (FIAs) Can Help Protect Your Retirement&#8221; font_container=&#8221;tag:h1|font_size:40px|text_align:left|line_height:55px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">When you retire, one of your biggest concerns is making sure your savings last. The ups and downs of the stock market can be especially worrying during this time, as a market downturn could significantly impact your nest egg. Let&#8217;s explore what market risk is and how FIAs can help shield your retirement savings from these risks.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_custom_heading text=&#8221;What is Market Risk?&#8221; font_container=&#8221;tag:h3|font_size:28px|text_align:left|line_height:34px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">Market risk, also known as systematic risk, refers to the potential for investment losses due to factors that affect the overall performance of financial markets. For retirees, market risk is a significant concern because it can impact the income you rely on during retirement.<\/p>\n<p style=\"font-weight: 400;\">One critical aspect of market risk is the <strong>sequence-of-returns risk.<\/strong> This refers to the danger of experiencing poor investment returns early in retirement. This risk is particularly worrisome because you have less time to recover from these losses while simultaneously withdrawing money for living expenses.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_custom_heading text=&#8221;The &#8220;Fragile Decade&#8220; and Why Timing Matters&#8221; font_container=&#8221;tag:h3|font_size:28px|text_align:left|line_height:34px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<span class=\"TextRun SCXW111055578 BCX4\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW111055578 BCX4\">The period just before and after you retire, often called the &#8220;fragile decade,&#8221; is crucial for your financial success. If the market takes a downturn during this time, the combination of poor returns and ongoing withdrawals can quickly drain your savings, making it difficult to bounce back.<\/span><\/span><span class=\"EOP SCXW111055578 BCX4\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span>[\/vc_column_text][vc_single_image image=&#8221;5354&#8243; img_size=&#8221;Large&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">The chart above shows how the timing of market returns can affect your retirement savings. It compares two hypothetical retiree portfolios, both starting with $500,000 and both retired for 15 years. The difference is in the timing of those returns.<\/p>\n<ul style=\"font-weight: 400;\">\n<li>The blue line represents a retiree portfolio who retired and invested in the S&amp;P 500 at the start of 2000<\/li>\n<li>The green line shows a retiree portfolio who invested in the S&amp;P 500 at the beginning of 2003<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">As you can see, the portfolio with poor early returns (blue line) ends up with a much lower value after 15 years. This happens because negative returns early in retirement can significantly reduce your savings. This makes it harder for your portfolio to recover, leading to a lower overall value over time.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_custom_heading text=&#8221;How Fixed Indexed Annuities (FIAs) Can Help&#8221; font_container=&#8221;tag:h3|font_size:28px|text_align:left|line_height:34px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p style=\"font-weight: 400;\">FIAs are designed to protect your retirement savings from market risk, including the sequence-of-returns risk. Here&#8217;s how they can benefit you:<\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Principal Protection<\/span><\/b><span data-contrast=\"auto\">: Your initial investment is protected from market downturns, ensuring you don&#8217;t lose your principal due to market volatility.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Potential for Growth<\/span><\/b><span data-contrast=\"auto\">: FIAs offer growth opportunities based on the performance of selected indices, without the risk of direct stock market investments. This means you can benefit from market gains while being shielded from losses.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_custom_heading text=&#8221;Conclusion&#8221; font_container=&#8221;tag:h3|font_size:28px|text_align:left|line_height:34px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<span data-contrast=\"auto\">Market risk, especially sequence-of-returns risk, can pose a significant threat to your financial security in retirement. By incorporating FIAs into your retirement plan, you can mitigate these risks through principal protection, growth potential, and flexible access to your funds.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Why Choose Oceanview?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Strength<\/span><\/b><span data-contrast=\"auto\">: Oceanview has an &#8220;A&#8221; Excellent rating from A.M. Best, reflecting our stability and reliability.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Transparency<\/span><\/b><span data-contrast=\"auto\">: We believe in clear, straightforward communication. Our products are easy to understand, helping you make informed decisions about your financial future.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Competitive Rates<\/span><\/b><span data-contrast=\"auto\">: Our special introductory rates on select crediting strategies provide an added incentive to start your retirement journey with us.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Supportive<\/span><\/b><span data-contrast=\"auto\">: Our dedicated team is committed to providing exceptional customer service and support throughout your retirement journey.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_btn title=&#8221;Learn More about Retirement Risk&#8221; color=&#8221;turquoise&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;&#8221; button_block=&#8221;true&#8221; link=&#8221;url:https%3A%2F%2Foceanviewlife.com%2Fretirement-risk-series%2F|title:Retirement%20Risk%20Series&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_btn title=&#8221;Explore the Harbourview Fixed Indexed Annuity&#8221; color=&#8221;turquoise&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; css_animation=&#8221;fadeIn&#8221; css=&#8221;&#8221; button_block=&#8221;true&#8221; link=&#8221;url:https%3A%2F%2Foceanviewlife.com%2Fproducts%2Fharbourview-fixed-indexed-annuity%2F|title:Harbourview%20Fixed%20Indexed%20Annuity&#8221;][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=&#8221;20px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_empty_space height=&#8221;20px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_custom_heading text=&#8221;Take the Next Step Toward a Secure Retirement&#8221; font_container=&#8221;tag:h3|font_size:28px|text_align:left|line_height:34px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;text_capitalize&#8221;][vc_column_text css=&#8221;&#8221;]<span data-contrast=\"auto\">Don&#8217;t let retirement risks jeopardize your financial future. Schedule a consultation with your financial professional today to learn how <a href=\"https:\/\/oceanviewlife.com\/products\/harbourview-fixed-indexed-annuity\/\">Oceanview&#8217;s Fixed Indexed Annuities<\/a> can help you build a retirement plan that withstands market volatility. With competitive rates, excellent financial strength, and a commitment to your success, Oceanview is your partner in retirement security.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To learn more or to schedule a meeting with an Oceanview Life representative, please contact:\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Oceanview Life and Annuity Company<\/span><br \/>\n<span data-contrast=\"auto\">(833) 656-7455<\/span>[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_empty_space height=&#8221;40px&#8221; el_class=&#8221;mobile_space_small&#8221;][vc_separator css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<a href=\"https:\/\/oceanviewlife.com\/disclaimers\/\"><strong>Disclosures:<\/strong><\/a><\/p>\n<p style=\"font-weight: 400;\"><u>The Harbourview FIA (Policy Form ICC19 OLA FIA), and any variations is a single premium deferred annuity, and may not be available in all states. Annuities issued by Oceanview Life and Annuity Company, 1819 Wazee Street, 2nd Floor, Denver, CO 80202. www.oceanviewlife.com. A.M. Best Rating as of November 1, 2023, is subject to change. A (Excellent) rating is third highest of fifteen possible rating classes for financial strength. This material is a general description intended for general public, educational use. Refer to the product disclosure and related documents for more information or speak to your financial professional.\u00a0 Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such. Neither Oceanview nor its representatives provide tax or legal advice.\u00a0 While care was taken in compiling this information, the Company reserves the right to correct any typographical errors that may exist. In California, doing business as Oceanview Life and Annuity Insurance Company. <\/u><\/p>\n<p style=\"font-weight: 400;\"><u>HARBOURVIEW ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY THE FDIC OR NCUA\/NCUSIF OR ANY OTHER FEDERAL GOVERNMENTAL AGENCY. MAY LOSE VALUE. NO BANK\/CREDIT UNION GUARANTEE. NOT A DEPOSIT. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. GUARANTEES ARE SUBJECT TO THE CLAIM PAYING ABILITY OF THE ISSUING INSURANCE COMPANY.<\/u><\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;mobile_space_small&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row][vc_column css=&#8221;.vc_custom_1680708622703{padding-right: 0px !important;padding-left: 0px !important;}&#8221;]\n\t\t<div class=\"footer-widgets\">\n\t\t\t<div class=\"wpb-content-wrapper\"><p>[vc_row equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;global_cta&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1680676974309{background-image: url(https:\/\/oceanviewlife.com\/wp-content\/uploads\/2023\/04\/Global-Footer-Image.jpeg?id=2755) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;image_column&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; el_class=&#8221;content_column&#8221; css=&#8221;.vc_custom_1745899314771{background-color: #1A2452 !important;}&#8221;][vc_custom_heading text=&#8221;Get started<br \/>\nwith Oceanview<br \/>\nLife &amp; Annuity&#8221; font_container=&#8221;tag:h2|font_size:72px|text_align:left|color:%23ffffff|line_height:72px&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221;][vc_custom_heading text=&#8221;Take the next step with a company you can trust.&#8221; font_container=&#8221;tag:p|text_align:left|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221;][vc_btn title=&#8221;Learn More&#8221; css=&#8221;&#8221; link=&#8221;url:%2Fcontact%2F|title:Learn%20More&#8221; el_class=&#8221;button-primary oceanview-life-annuity&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>\t\t<\/div>\n\n\n\n        [\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;hero_section&#8221; css=&#8221;.vc_custom_1681183124475{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container inner_hero&#8221; css=&#8221;.vc_custom_1718753446390{background-image: url(https:\/\/oceanviewlife.com\/wp-content\/uploads\/2024\/06\/AdobeStock_842798687-scaled.jpeg?id=5240) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column_inner][vc_custom_heading text=&#8221;Market Risk&#8221; font_container=&#8221;tag:h1|text_align:center|color:%23ffffff&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;font_bold letter_spacing h1_small text_capitalize&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_section css=&#8221;.vc_custom_1706774990072{background-color: #f9f9f9 !important;}&#8221;][vc_row][vc_column][vc_empty_space height=&#8221;60px&#8221; el_class=&#8221;mobile_space_small&#8221;][\/vc_column][\/vc_row][vc_row el_class=&#8221;container faqs_wrapper&#8221; css=&#8221;.vc_custom_1706774983179{background-color: #ffffff !important;}&#8221;][vc_column css=&#8221;.vc_custom_1690282039820{padding-right: 0px !important;padding-left: 0px !important;}&#8221;][vc_custom_heading text=&#8221;Understanding Market Risk and How [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-5238","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v25.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Market Risk - Oceanview\u00ae\ufe0f<\/title>\n<meta name=\"description\" content=\"When you retire, one of your biggest concerns is making sure your savings last. 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