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October 11, 2017

Many of our clients wondered how to invest their money safely and securely in time of uncertainty. Well, there are a couple of ways to go about it. 

Before we continue, let me remind of some investments that have been deemed “safe” over the years, but has proven to be untrue. Remember mortgage-backed security? many of us thought mortgage-backed securities were safe investments before to the housing crisis in 2008. We now know that this type of bond is not immune to the risks of the financial markets and many of us learned it the hard way in 2008.

Another misconceived “SAFE” investment is gold. I will admit that historically, gold has a tremendous hedge against inflation. However, the value of gold can go down quite significant. In fact, gold has lost approximately 30% of its value since 2011. So, you may have a great hedge against inflation, but your principal is not safe in gold.

My conclusion is that there are only three investment options in which you can have your money 100% protected against market losses. They include:

  • FDIC Insurance

  • Treasury Bonds

  • Guaranteed Insurance Contract

From these options, which will perform the best to have your money protected AND growing