I use a tool that allows me to grow an acct mirroring the s&p 500 without any downside risk. Also, gains are tax deferred and I have access to the capital prior to age 59 1/2 without the IRA or 401K 10% penalties. If the market goes up 10%, i get 10%. If the market goes down 5%. I do not participate in the loss. Say for example we start with 100,000 and the market goes up 10%. my acct will have 110,000. if the market the next year goes down 10%. My account will have 110,000. If the third yr, the market goes up 10%. My value would then be 121000.

And how much do you pay in fees or commissions for this tool?

Also, you should be aware that TMF has rules against selling your products using their boards.

Tax deferred and tax free withdraws.

Which is it? Tax deferred or tax free? They are two different things - with tax deferred you owe taxes based on withdrawals, which is not 'tax free'.

AJ