Safe Money Analyzer
Do you rely on bonds, CDs, or principal-protected assets for portfolio protection? See how each asset class actually performs over a 15-year timeline in different market environments.
"You've got a balanced approach. The key now is making sure your 'safe' bucket is actually doing its job. Are you paying high fees for bond funds that lose value when rates rise? Let's optimize the safe side of your ledger."
| Asset Class | Principal Risk | Inflation Risk | Liquidity |
|---|---|---|---|
| Bank CDs / Cash | Zero | High | High |
| Aggregate Bond Index | High (Rates) | Moderate | High |
| Protected Growth | Zero | Moderate | Low (Penalties) |
If you hold bond funds, you have interest rate risk. If you hold CDs, you have inflation risk. If you hold protected growth assets, you have liquidity constraints. Let Mark use our AI-enhanced financial engine to run a hyper-customized stress test on your exact holdings.
* Hypothetical illustration for educational purposes only. Not investment advice. Bank CDs assume reinvestment at prevailing rates. Bond index assumes 5-6 year average duration, causing price drops when interest rates rise. Protected Growth assumes annual point-to-point crediting with standard caps/participation rates and a 0% floor preventing market losses, but may be subject to surrender charges and early withdrawal penalties.