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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: garygr who wrote (22122)	11/12/2025 9:15:24 AM
From: jritz0	1 Recommendation Recommended By apatel1 Read Replies (3) \| Respond to of 23891

RE: I'm not sure what the downside protection is when I log on their site. The structured ones limited your loss to 1 or 2% downside. This isn't a buffered fund, it is considered a Barrier fund. The notes are fine as long as they don't drop below 40% of the reference index. If the note drops below, it doesn't pay the coupon until it climbs above the index. If it matures at less than 60% (40%) barrier then that amount of principal is lost. They mitigate some of this risk by buying a new note weekly, they currently hold 61 notes. Another risk of this fund is counter party risk. JPM is the counter party. I'll keep adding to this fund, I like it much better than bond funds. I will be trimming some of my JEPQ, SPYI, QQQI to add to this fund. Below is a good chart lifted from Calamos From Complexity to Accessibility: Democratizing Autocallable Yield Notes Through ETF Innovation