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Unique to this family of principal protected funds, the "Bear Market Benefit" enables investors to profit more if the stock market goes down periodically than if it went up every
year. In fact, the more down years in any long-term up trending market, the better investor returns will be. This is possible because investors are reimbursed for stock market losses but retain their
market positions, enabling them to also participate in the recovery which usually occurs in the following year
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