Securing your retirement during financial meltdown is not easy – here are some tips how you shield yourself from mortgage default and sub prime debacle
Kirsten McLauren
Jul. 4, 2007

It is a difficult time in the history of finance. Wall Street Gurus will accept it after the debacle is over and billions are lost. They never see the coming Tsunami because they very close financial coast water.

The real estate fall out is just starting. Something more serious is happening in auto sector. The GM and Ford are losing market share to Toyota and other foreign car manufacturers steadily. The manufacturing sector is suffering immensely. The crude oil is on the rise and believe it or not can test $100 a barrel.

In the middle of that the Social Security funds are in trouble. The Medicare also is in questionable condition. If the Social Security and Medicare promises are not kept in their entirety, it is essential you arrange for your own retirement funds.

How do you protect your retirement funds during a financial meltdown? It is not easy. If you are lucky to meet someone who suffered in 1930s last meltdown, you will understand how difficult it can be.

The biggest problem is that banks will fail. Brokerages will not allow you to withdraw funds. The hedge funds have already started refusing redemptions. The trend will continue and deepen in the next twenty years.

The only entity that you can and should trust is the Federal Government. The short-term Tbills are the best mechanism to keep your money safe. You cannot depend on banks to pay you interest. You cannot depend on stock market to provide you decent returns every year. You need to take an active role and invest in a conservative way to generate excellent returns.

Writing covered futures options can be one way. The reason is that during deflation and depression everything except bonds will decline. That means at that time you need to write covered puts (short the future and sell the deep in the money put).

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