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URL:  http://boards.fool.com/the-one-i-saw-claimed-that-you-could-never-lose-29484743.aspx

Subject:  Re: Indexed CDs Date:  8/17/2011  12:35 PM
Author:  joelxwil Number:  69433 of 78166

The one I saw claimed that you could never lose money. If the market went up, you made money. If it went down, your balance stayed the same.

Then in the fine print, it said that your gains were limited to 3% per month. Now looking at the returns for the full months over the last 5 years, we have, in % including reinvestment of distributions form SPY:

6.52
.65
6.38
1.94
-2.71
-10.2
-2.87
-8.86
-22.67
-9.97
16.28
15.38
6.11
5.78
-11.66
11.16
10.76
5.9
.02

So in the most of the months when the market went up, it did much better than 3%, and in fact about half