How Downside Protection Can Shield Your Retirement Portfolio

In this episode of Retirement Planning with Fexingo, Lucas and Luna explore how downside protection strategies can help retirees weather market downturns without sacrificing long-term growth. They focus on the role of equity-indexed annuities and structured notes, using the example of an investor who avoided a 20% loss in late 2025 by allocating 15% of their portfolio to a buffer product. The hosts explain how buffer ETFs and registered index-linked annuities (RILAs) work, what a 10% buffer means in practice, and why this approach is gaining traction among retirees aged 60 to 75. They also discuss the trade-offs: caps on upside versus floor on losses, and the importance of not over-allocating to insurance-based products. No prior episode has covered this specific angle—the mechanics of downside protection via structured products, with a concrete 2025 market event as the anchor. The episode is designed for listeners who want to protect their nest egg while staying invested in equities. #DownsideProtection #RetirementPortfolio #EquityIndexedAnnuity #StructuredNotes #BufferETF #RILA #RetirementIncome #MarketDownturn #PortfolioProtection #2025Market #RetirementPlanning #FexingoRetirement #Finance #Investing #WealthManagement #FexingoBusiness #BusinessPodcast #RetireeTips Keep every episode free: buymeacoffee.com/fexingo