Your retirement savings have never been more important than they are today.

More Americans than ever are finding themselves without pensions, and Social Security benefits are set to decrease within 16 years. What’s left? Cost of living certainly isn’t going down, and neither are medical bills. In fact, more senior citizens are filing for bankruptcy than ever.

Without traditional sources of retirement income, it’s entirely up to you as an individual to grow your personal savings for your own and your family’s financial future.

That means that we’ve all become hedge fund managers whether we like it or not. Our 401(k)s, IRAs, and TSPs have never been more important to our long-term financial security. Which is why you need to take on the difficult task of managing your own financial risk in the market.

But you don’t need to do it without help! By giving you access to professional tools and methods, we want you to fully understand and take control of the three big risks to your retirement savings. Let’s go through these risks one by one so you know what to expect, and what you’re up against.

1. “Safety”

People have a knack for hearing only what they want to hear. That’s why when a broker or financial advisor says things like “guaranteed income” and “no loss of principal,” people perk up and nod approvingly. We really want to believe that we can have none of the risk and still get all of the reward — but deep down we all know that it doesn’t work that way. “Safety” is never as safe as it looks, and you’d be lucky to just beat inflation when you choose the “safe” path.

In other words, when we choose safety over longer-term success, we hamper our potential for future gains without even realizing it. That isn’t the kind of “safety” you want!

Over the past 150 years, the U.S. stock market has offered an average of around 10% in annual return, which beats inflation by 6% to 7%. And since 1945, it’s been beating inflation by 8.92% on average. Nothing else even comes close to this, but most people still wimp out and choose “safety.”

So how do we make it actually safer to be invested in stocks? How do we turn the tables and make you the one who’s in control?

We say by letting you pick exactly how much risk you want to take. It’s simple: You tell us how much you’re willing to lose in the short term and we compute exactly how much stock exposure you should have so that you won’t lose any more than that. 10%? 50%? 75%? Just let us know, and we’ll compute all the risk factors to get you a personalized stock market allocation from 0 to 100%.

See how we let you choose your own risk profile.

Why pour your life savings into the finance industry’s prepackaged “safe” products when you can invest in a low-cost stock index fund and have total control over the risks that you want to take? Starting to sound like a good idea?

So what happens if we let go of the “safety” myth, manage our own risk, and take the smart next step? Well, that’s where you face the next risk.

2. Recessions

We’re all old enough to remember the Great Recession and financial crisis in 2007-2009 (and some of us might remember it better than others). The recession took a huge toll on the stock market — the S&P 500 stock index fell a nasty 57.7% from 1576.09 to 666.79 before beginning its recovery. You’ve probably heard horror stories of the guy who bought at the top and sold everything at the bottom — and that’s scared even more people away from stocks. The biggest fear?

“What if I’m buying in at the wrong time?”

And that’s a legitimate fear! Because if you’d bought the stock index at the peak in 2007, it would have taken over five years for you to recover your investment. That’s a long time to wait.

Lucky for us, recessions don’t just come up out of nowhere. Even if we can’t quite set a timer on when it’ll start, risk of recession is totally quantifiable. Is it easy? No, but we know how to do it, and we’re more than happy to monitor the market for signs of danger so you stay out of harm’s way.

See for yourself! This is a chart of Recession Risk, which measures the likelihood that the the S&P 500 index will be down at some point in the next three years. Risk goes from 0% to 40%. Do you want to be fully invested when there’s a 40% chance of a recession? (No, you don’t.)

But does it make sense to be fully invested in stocks when Recession Risk is at zero? Absolutely. And when you get your personalized stock allocation from us, you can be sure that we’re factoring these risks into your recommended stock allocation.

When you choose to invest in stocks, you don’t need to risk losing 57.7% of your money and five years of investment performance.

See what it looks like when your portfolio can avoid a recession.

Now for the final — and most dangerous! — risk.

3. You

That’s right. The final and biggest risk to your retirement savings is you. Like the guy who bought stocks at the top and sold at the bottom, you (and your emotions!) are the single worst thing that can happen to your retirement savings.

Right now, you might be taking too much risk without realizing it, or too little because you want “safety.” You might be changing your portfolio too often and “churning” your account, or you might only be looking at it once a year, only to wake up in the middle of a nasty recession. Without good information, your emotions will get in the way. And if you act on those emotions without understanding the real risks, you might as well be tossing a coin.

We believe that you need a plan, and you need to stick to it. But we also know that most “plans” out there simply don’t acknowledge that market risk changes over time, and that if you really want to keep your retirement savings safe, you need to change your portfolio in response to these risks. And this really is up to you — nobody else can make these decisions for you (even if you like to pretend that the finance industry is looking out for your “best interests”).

We’re not brokers, fund managers, or financial advisors here — we’re just traders and programmers with some great investment tools — so we don’t take a fee or get a commission from the funds that you buy. And we don’t have to worry about telling you what you want to hear, either!

Here’s what we will tell you: You can have monthly personalized reports on your ideal stock allocation — everything we just talked about — for the cost of a Netflix subscription.

$7.99 a month.

Need to mull it over? Take a look at our performance page to see how a 50% drawdown risk portfolio did since 1990.

Still not convinced? Find out what’s in the Risk Report and how it will help you make better decisions.

Today, you are the only thing standing between the risks of the market and your retirement savings. Let us help you!

Sign up for $7.99/month.