Mass Mutual Financial Group
Expressions - Retirement Income - Fall 2008


Capitalize on Market Declines Investing Wisely
American Century InvestmentsBear markets and corrections are normal occurrences, happening about once every two years since 1945. Wise investors know that bear markets and corrections may be great buying opportunities. By adding to investments after the market drops, you can take advantage of lower stock prices, although this does not ensure a profit.


The compound annual rate for the Standard & Poor's 500 Stock Index 1945 through December 31, 2007
(63 Years) was 7.76%. • Definitions: Corrections – Minimum 10% decline but less than 20%; Bear Markets – Minimum 20% decline. • Shaded areas represent Bear Markets. • S&P 500 – The S&P 500 Index is a capitalization-weighted index of 500 widely-traded stocks. Created by Standard & Poor’s, it is considered to represent the performance of the stock market in general. • Sources: Standard & Poor's Corporation;
© 2008 Crandall, Pierce & Company • All rights reserved.

It is not an investment product available for purchase. Past performance is no guarantee of future results. Investment returns will fluctuate and it is possible to lose money.

While bear markets have historically been followed by bull markets, past performance is not indicative of future results. There is no way to determine the duration of the current bear market. Investors should carefully consider their investment time horizon and their ability to invest during periods of significant market volatility. Investors should always consult with their financial professional prior to investing.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under U.S. federal tax laws. Contact your attorney or other advisor regarding your specific legal, investment or tax situation.
 




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MassMutual Financial Group

Annuity products are issued by Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company.
Principal Underwriter:
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