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Subject:  Re: Is it worthwhile to invest post-tax in 401k? Date:  6/23/2011  11:05 AM
Author:  culcha Number:  69172 of 88498

I use a tool that allows me to grow an acct mirroring the s&p 500 without any downside risk.... If the market goes up 10%, i get 10%. If the market goes down 5%. I do not participate in the loss.

So, if you use this tool, and you don't lose to the market, then where do you lose? in annual fees? in upfront costs? And if someone had a tool like this, why wouldn't they just use the tool themselves and make money without ever losing any? Do the people behind this tool want to get MY money involved? If so, why?

Please don't misunderstand the nature of my questions. This tool is just mysterious to me, and I truly want to understand it. But so far, I can't make any financial sense out of it.

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