Rethinking Diversification

In today’s volatile market, retirement savers face new challenges. Traditional portfolio diversification may no longer be the answer to growing your savings without the risk of losing it all. Luckily, there are new ways to manage investment risk. Join us for a no-cost, no-obligation informational seminar that can help answer your questions:

Rethinking Diversification: New Ways to Manage Investment Risk…

Tuesday, August 21st at 6-7 pm
KALSEE Credit Union, 2501 Millcork Street, Kalamazoo

Join us for an informational session that can help you think about your retirement savings plan, and learn answers to questions like:

  • What is traditional portfolio diversification?
  • How has the investment landscape changed?
  • How can you achieve your goals with the least amount of risk?
  • How can new annuity options help you rethink diversification?


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New Year – New Game

It’s a new year and a great time to review your investment goals. The steady stock market recovery has continued since the financial crisis of 2008, and this past year saw equities set more new records. Many people have seen attractive investment gains as a result. But when it comes to the stock market, it’s wise to remember that what goes up can just as easily come down. What would a major drop in the stock market do to your retirement plans?

For some, the answer has been to stay on the sidelines and avoid the inevitable market volatility by investing in certificates of deposit (CDs) and money market accounts. Unfortunately, these accounts continue to set records of their own – historically low returns that often don’t keep pace with inflation.

A new game plan.

There are new annuity products that allow you to participate in the market’s upside potential while setting a limit on downside risk. And there are other options available to guarantee a retirement income you can’t outlive. The record stock market highs and interest rate lows could mean it’s time to review your current portfolio and discuss these new opportunities. If your goal is to look at ways to protect gains and reduce risk in your investment portfolio, the new year may be the perfect time to get in the game.

Learn how we can help

This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are based on the claims-paying ability of the issuer. MEMBERS Insurance & Investments and MEMBERS are the marketing names for products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERS® is a registered trademark of CMFG Life. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution. Asset allocation and diversification do not guarantee a profit or prevent a loss. See your prospectus for details about your investment options and refer to the fund prospectus for information on specific investment objectives. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution.

There are distinct difference between annuities and certificates of deposit (CDs). Most CDs are considered a short term investment.  An annuity is a long term investment.  The investment in a CD is insured by the federal government either through FDIC or NCUA.  The investment in an annuity is guaranteed by an insurance company.  Like CDs, annuities have a penalty for early surrender and withdrawals taken before the age of 59 ½ from an annuity may be subject to a 10% federal tax penalty.  Annuities are issued by MEMBERS Life Insurance Company.