When markets fluctuate, even conservative investors can feel uneasy about the future. Fixed annuities offer a dependable way to safeguard your retirement savings. These insurance products guarantee a set interest rate over a fixed term—ensuring you won’t lose a dime, even if the stock market tumbles.

Unlike variable investments, fixed annuities shield your principal from losses and offer tax-deferred growth. This means your money can accumulate faster, without the annual tax drag. For retirees or near-retirees who want predictable income, fixed annuities can serve as a solid foundation.