K****D
发帖数: 30533 | 1 Heard from The Ray Lucia Show this morning.
1) absolute return note
works this way: say there is a range of -15% to +15%. If S&P never
breaks that range in a full year, you get the absolute return of
S&P at year end. (absolute means: -14% becomes +14%.) If at any
time during the year, S&P breaks the range, you get 0%. FDIC
insured.
2) index annuity
If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
S&P return; if S&P > 7%, you get capped 7%. Numbers are for
illustrations.
3) buffere | l******n
发帖数: 641 | 2 but any of this can defend inflation?
【在 K****D 的大作中提到】
: Heard from The Ray Lucia Show this morning.
: 1) absolute return note
: works this way: say there is a range of -15% to +15%. If S&P never
: breaks that range in a full year, you get the absolute return of
: S&P at year end. (absolute means: -14% becomes +14%.) If at any
: time during the year, S&P breaks the range, you get 0%. FDIC
: insured.
: 2) index annuity
: If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
: S&P return; if S&P > 7%, you get capped 7%. Numbers are for
| K****D
发帖数: 30533 | 3 No, but they can prevent you from losing too much.
【在 l******n 的大作中提到】
: but any of this can defend inflation?
| n******n
发帖数: 12088 | 4 1) looks like a trap, even with FDIC insured.
【在 K****D 的大作中提到】
: Heard from The Ray Lucia Show this morning.
: 1) absolute return note
: works this way: say there is a range of -15% to +15%. If S&P never
: breaks that range in a full year, you get the absolute return of
: S&P at year end. (absolute means: -14% becomes +14%.) If at any
: time during the year, S&P breaks the range, you get 0%. FDIC
: insured.
: 2) index annuity
: If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
: S&P return; if S&P > 7%, you get capped 7%. Numbers are for
| n******n
发帖数: 12088 | 5 Rule of thumb: keep things simple.
These instruments you mentioned, however, must be implemented in a very
complicated way such that no matter you win or lose, bankers have guaranteed
revenue.
So this is not low risk investment for you, but low risk earnings for them.
【在 K****D 的大作中提到】
: Heard from The Ray Lucia Show this morning.
: 1) absolute return note
: works this way: say there is a range of -15% to +15%. If S&P never
: breaks that range in a full year, you get the absolute return of
: S&P at year end. (absolute means: -14% becomes +14%.) If at any
: time during the year, S&P breaks the range, you get 0%. FDIC
: insured.
: 2) index annuity
: If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
: S&P return; if S&P > 7%, you get capped 7%. Numbers are for
| n******n
发帖数: 12088 | 6 Hey, buying options can also prevent you from lossing too much.
【在 K****D 的大作中提到】
: No, but they can prevent you from losing too much.
| b*****e
发帖数: 1125 | 7 doubt what's the investment horizon for the product and what's the pricing
model? | m******t
发帖数: 2416 | 8 Looks like "dumbed down VIX trading" to me. 8-)
【在 K****D 的大作中提到】
: Heard from The Ray Lucia Show this morning.
: 1) absolute return note
: works this way: say there is a range of -15% to +15%. If S&P never
: breaks that range in a full year, you get the absolute return of
: S&P at year end. (absolute means: -14% becomes +14%.) If at any
: time during the year, S&P breaks the range, you get 0%. FDIC
: insured.
: 2) index annuity
: If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
: S&P return; if S&P > 7%, you get capped 7%. Numbers are for
| g*****g
发帖数: 34805 | 9 If you are really concerned about your investment (or speculation) and
want to have limit downside. Use the collar strategy.
Buy stock at 100, buy leap 95put and sell 105call, usually they are about
the same price. So you limit your upside and downside to 5%. You can
also pay a premimum to buy 100p and sell 105c or 110c.
【在 K****D 的大作中提到】
: Heard from The Ray Lucia Show this morning.
: 1) absolute return note
: works this way: say there is a range of -15% to +15%. If S&P never
: breaks that range in a full year, you get the absolute return of
: S&P at year end. (absolute means: -14% becomes +14%.) If at any
: time during the year, S&P breaks the range, you get 0%. FDIC
: insured.
: 2) index annuity
: If the S&P is negative, you get 0%; if the S&P is 0-7%, you get
: S&P return; if S&P > 7%, you get capped 7%. Numbers are for
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