The Nikkei 225 index, Japan's stock market, is still down 72% from its peak in December 1989, over 20 years later. While some markets eventually recover from double digit losses, the Nikkei has yet to fully rebound after entering a long-term "bear" market. Indexed investment accounts that reset annually can help investors avoid losses by capturing yearly gains while eliminating negative performance, though the Nikkei has remained substantially lower than its peak even with this strategy.

2. 38,915.44 December 29, 1989 Jan 1, 2010 9,346.13 -72.9% below its closing high Nikkei 225 Index 40 year history

3. . . . . . . The reality is some never recover from a double digit loss.

4. . . . . . . . . . Zero is your hero

5. $2,281.34 Indexed w/14% cap $271.01 Full Risk

6. $2,281.34 Indexed w/14% cap $271.01 Full Risk

7. Indexed Account with Annual Reset.

9. S&P 500 Fixed Indexed