Protecting Retirement Income from Market Volatility

If there’s one thing we can all agree on, it’s that the market has a mind of its own. One day, your portfolio looks great—the next, it’s taken a hit you didn’t see coming. And for anyone approaching or living in retirement, that kind of unpredictability can be devastating.

After all, when you’re no longer earning a paycheck, you can’t afford to gamble your retirement income on Wall Street’s emotions.

At The Money Multiplier, we teach a different approach—one built on control, certainty, guarantees and uninterrupted growth. The truth is, you don’t have to ride the roller coaster of market volatility. You can build a system that protects your money, gives you guaranteed growth, and keeps you in control—no matter what’s happening in the economy.

The Hidden Risk of “Average Returns”

You’ve probably heard advisors talk about “average returns.” They’ll say something like, “If the market averages 8%, you’ll be fine.”

But here’s the problem — averages lie.

Let’s say you start with $100,000 in your investment account.

• In Year 1, your portfolio goes up 50%. Great! Your balance grows to $150,000.
  
  
• In Year 2, the market drops 50%. That means you lose half of your $150,000 — leaving you with $75,000.

On paper, the average looks like (+50% + -50%) ÷ 2 = 0%  so it seems like you broke even.

But your actual balance is down 25%, from $100,000 to $75,000.

That’s why you can’t live on “average returns.” We focus on actual cash flow because that’s what you can spend. The math looks fine on a spreadsheet, but in real life, you’re not spending averages — you’re spending what’s left in your account.

And when you’re in retirement, taking income from that same account while the market’s bouncing up and down, the losses hit even harder — because every dollar you withdraw during a downturn is a dollar that can never recover.

That’s the danger of market volatility. When you’re in the accumulation phase, time might smooth out the bumps. But in retirement, when you’re taking distributions, those same bumps can crush your income stream. It’s called sequence of returns risk, and it’s one of the most overlooked threats to retirement security.

The Solution: Regain Control of the Banking Function

Nelson Nash, the founder of the Infinite Banking Concept (IBC), said it best: “You finance everything you buy.” You either pay interest to someone else—or you give up the interest you could have earned.

At The Money Multiplier, we help people take back that control by creating their own personal banking system using specially designed whole life insurance policies from mutually owned companies.

Here’s why this matters for retirement:

• Guaranteed Growth: Your cash value grows every year, tax-deferred, regardless of what the stock market does.
  
  
• Tax-Free Access: You can access your money through policy loans without triggering taxes or penalties.
  
  
• Liquidity and Control: Your money remains available and compounding, even while you use it.
  
  
• Peace of Mind: Your death benefit ensures your legacy continues, no matter what happens in the market.

This isn’t about replacing your investments—it’s about creating a stable foundation that the rest of your plan can rest on.

Building Your “Volatility Shield”

Think of your policy as the calm harbor during a financial storm. When markets are down, you can borrow against your cash value instead of selling investments at a loss. When the markets recover, you can pay the loan back—on your terms.

This simple shift protects your retirement income and extends the life of your portfolio. It’s not just a strategy—it’s a system that allows you to weather any market without losing momentum.

Here’s the difference: most people build their financial future on speculation and hope. The Money Multiplier community builds theirs on guarantees and control.

Retirement Should Be Predictable—Not Stressful

You’ve worked your entire life to earn what you have. The last thing you should be doing in retirement is checking the market every morning with anxiety.

The goal isn’t to chase the highest returns—it’s to ensure you never run out of money. With Infinite Banking, you create your own Private Family Bank that continues to grow, no matter what’s happening in the economy. That’s true independence.

So ask yourself:

“Do I want to depend on the market—or do I want to depend on a system I control?”

At The Money Multiplier, we’ve helped thousands of people just like you protect and multiply their retirement income—without fear of the next crash.

Because real wealth isn’t built on chance. It’s built on certainty.

Want to learn how to protect your retirement income from market volatility? Schedule a free strategy call with your Money Mentor today and start building your volatility-proof retirement system.