Safe retirement strategies: The Retirement Rule They Never Taught You — Until It Was Too LateWhat If You’re Risking More Than You Think?

Let me ask you something personal:

After decades of working, saving, and sacrificing…Would you knowingly leave your future vulnerable to the next market drop?

Most people wouldn’t.

But millions do — without even realizing it.

And no, it’s not because they’re careless.It’s because they were never shown a simple rule that could protect everything they’ve built.

It’s called the Rule of 100.

Once you understand it, it could change the way you see risk, growth, and your entire retirement strategy.

What Is the Rule of 100 (And Why No One Told You Sooner)

Simple Math. Massive Impact.

Take the number 100.Subtract your age.The answer? That’s the maximum percentage of your money that should be exposed to market risk.

Everything else?Should be protected — where the market can’t touch it.

Let’s break it down:

• Age 40? 100 - 40 = 60.

  
  

  → 60% of your money could be in risk-based assets.

  
  

  → 40% should be protected.

• Age 65? 100 - 65 = 35.

  
  

  → Only 35% at risk.

  
  

  → The rest locked down for protection.

Simple. Clear. And potentially life-saving for your retirement.

But most people never hear this.Why?

Because big firms make big money managing your risk — not removing it.

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Safe retirement strategies: Why Risk Tolerance Needs a Reality Check

In your 30s and 40s?You’ve got time. You can bounce back from a dip.

But when you’re approaching retirement?

The market drops 20–30%, and suddenly, you’re not recovering — you’re rebuilding… with far less time.

Let’s be honest:Can your current plan survive a hit like that?

The Rule of 100 isn’t about fear.

It’s about awareness — and control.

You don’t need to gamble your freedom to grow your money.

Red Accounts vs. Green Accounts: A New Way to See Your Money

🟥 Red Money (At-Risk Accounts)

These are the accounts tied to the market — full of potential, but full of exposure.

• Stocks

• Mutual Funds

• 401(k)s / Traditional IRAs

• Variable Annuities

• Brokerage Accounts

They have their place.

But in retirement, they come with baggage:

• Market crashes

• Withdrawal taxes

• Annual fees

• Emotional roller coasters

If you're still mostly in red money past age 60, it might be time to ask:

“Am I investing… or gambling with my freedom?”

🟩 Green Money (Protected Accounts)

These are the “sleep-well-at-night” assets — structured for growth, protection, and income.

• Indexed Universal Life (IUL)

• Fixed Indexed Annuities (FIA)

• Properly structured Cash Value Life Insurance

• Roth IRAs

Green money offers:

• Principal protection

• Tax-deferred or tax-free growth

• No market downside

• Lifetime income potential

This isn’t about playing it “safe.”It’s about playing it smart.

“What if your money could grow — without being on the edge of a cliff?”

Where Most People Slip — And How You Won’t

Here’s what happens too often:

• They save for 30 years

• Build up a 401(k)

• Never shift out of red money

• Retire right into a market storm

And by the time they realize the risk?It’s too late.

The Rule of 100 is your guardrail — a way to adjust before things fall apart.

And it’s flexible. It’s a guide, not a prison.

You can adapt it based on:

• Risk tolerance

• Time horizon

• Emotional comfort

• Income needs

Whether you want 40% in red or 80% in green — the point is:

You choose. But only if you know the rule.

Final Thought: The Market Doesn’t Care About Your Dreams — But You Should

If a hurricane was coming…Would you leave your car in the driveway?

Or move it to shelter before the storm hits?

Retirement is that storm.

The Rule of 100 is your shelter.

It’s not about giving up opportunity.It’s about seizing control — before volatility seizes you.

Because at the end of your life, you won’t be bragging about your portfolio returns.

You’ll be asking:

“Did I protect what matters most?”

If you're even a little unsure…Let's get clarity. No pressure. Just a conversation.

[Insert Image 5 here]AI Image Prompt Format:A peaceful elderly couple sits on a porch at sunset with green trees behind them. In the background, a collapsed financial billboard reads: “Market Forecast.” Caption: “They moved early — and never looked back.” Highlight: “never looked back.”

Want to See Where You Stand?

If this opened your eyes — good.That means it’s time.

Let’s take a look at your current setup, walk through the Rule of 100 together, and see how much risk you’re really

carrying.

No pressure. Just clarity.

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