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Greg from Missed Fortune provides a tutorial on how an index strategy works. Money is kept safe with a life insurance company, tied to the market like the S&P. In 2008, if the market tanks, you don't lose in an indexed account. There is a guaranteed floor at 0%, with growth capped at 15%. Using a yearly point-to-point strategy starting in 1999, when the market goes up, you benefit from the growth, and when it goes down, you don't lose.
