Market volatility is inevitable, but its impact on your retirement security doesn’t have to be. Understanding how to navigate market uncertainty is essential for preserving what you’ve built while maintaining the growth needed for a successful retirement.

Sequence of Returns Risk

The timing of market downturns can permanently reduce your retirement income—even if average returns are good over time, early losses can devastate your long-term security.

Emotional Decision-Making

Market volatility triggers fear-based responses that lead to poor investment decisions, like selling at market lows or making drastic portfolio changes.

Income Reliability Concerns

Market downturns create uncertainty about whether your retirement assets can generate the reliable income you need.

Shortened Recovery Timeline

As you approach or enter retirement, you have less time to recover from significant market losses, making protection strategies crucial.

Market Corrections Are Normal

• 10%+ corrections occur approximately once per year
• 20%+ bear markets happen every 3-5 years on average
• Recovery always follows decline, but timing varies
• Missing recovery days can devastate long-term returns

The Recovery Challenge

Some of the market’s strongest performance days often occur shortly after significant declines. Being out of the market during these critical recovery periods can permanently impact your wealth.

Create a Retirement Income Floor

Build a foundation of guaranteed income to cover essential expenses, regardless of market conditions:

• Social Security benefits
• Pension income (if available)
• Income from annuities or other guaranteed sources

Implement the Bucket Strategy

Near-term bucket (1-3 years): Highly liquid, principal-protected assets
Mid-term bucket (4-10 years): Moderately conservative investments
Long-term bucket (10+ years): Growth-oriented investments

This approach provides time for longer-term investments to recover from market declines.

Principal Protection for Core Assets

Allocate a portion of retirement assets to principal-protected solutions that create stability without eliminating all growth potential.

Protection of principal from market downturns.

May participate in market recovery through index-linked interest credits, but not directly in market gains.

Can help reduce stress related to market fluctuations.

May support more disciplined decision-making when other investments experience volatility.

Fixed Index Annuities (FIAs)

✓ Principal protection from market losses—your money never goes down
✓ Market participation through index-linked interest credits
✓ Psychological security knowing a portion of your assets is protected
✓ Recovery participation without downside risk

Multi-Year Guaranteed Annuities (MYGAs)

✓ Guaranteed growth regardless of market conditions
✓ Predictable returns for reliable retirement projections
✓ Safe harbor during volatile periods
✓ Peace of mind with absolute principal protection

Robert and Patricia*, both 64, were planning to retire in one year when a market correction reduced their portfolio by 22%. This created anxiety about their retirement timeline and income security.

Working with a financial professional, they developed a strategy that included:

• Allocating a portion of assets to an Oceanview Fixed Index Annuity providing:
  • Principal protection against further market declines
  • Potential for interest credits linked to market recovery
  • Future income options to supplement Social Security
• Extending retirement by six months for additional contributions
• Implementing a bucket strategy for remaining investments

This approach rebuilt their confidence while creating greater income stability.

Why Oceanview During Market Voltality? 

✦ Proven Financial Strength
Our A.M. Best “A” (Excellent) rating demonstrates stability when markets are uncertain

✦ Principal Protection Guarantee
Your money is protected from market losses while maintaining growth potential

✦ Market Recovery Participation
Our FIAs let you benefit from market upswings without downside risk

✦ Flexible Access
Free withdrawals and liquidity provisions provide access when you need it

Market uncertainty doesn’t have to mean retirement insecurity. With the right protection strategies, you can weather any storm while still participating in market growth.

Disclosures:

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, 1331 17th St., Suite 1050, 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. 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. 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.

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.