Fluctuating Investment Returns

How is Market Risk Managed by Diversification?

Diversification is a proven tool in protecting your clients’ portfolios from market risk, but it also offers no guarantees or protection from loss. Could that be a deal breaker for your risk-averse clients?

The Fluctuating Investment Returns fact sheet lays out the benefits of diversification, and offers another option to consider: risk control annuities that provide a guaranteed limit on loss in exchange for a cap on market highs. It may be the strategy your risk-averse clients need to feel comfortable enough to stay invested for the long term.

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IMPORTANT DISCLOSURES: Annuities are long-term insurance products designed for retirement purposes. Clients should consider the annuity’s investment objectives, risks, charges and expenses before investing. The prospectus contains this and other information. Encourage clients to read it carefully.
 
All guarantees are backed by the claims-paying ability of the issuer and do not extend to the performance of the underlying accounts which can fluctuate with changes in market conditions. 
 
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life Insurance Company. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. 
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FOR REGISTERED REPRESENTATIVE USE ONLY. NOT FOR USE BY THE GENERAL PUBLIC.   © CUNA Mutual Group 2019