How To Invest Risk-Free for Retirement: Stock Market Gains Without Losing Money

Shawn Plummer

CEO, The Annuity Expert

The stock market has been a reliable place to invest for retirement. The problem is that most people don’t know how to invest in the stock market without losing money. This guide will discuss how you can earn stock market gains for your retirement without risking any of your money! Time to retire happy!

This guide is perfect for investors,

  • Wanting to know how to invest in the stock market safely
  • Wondering if the stock market will crash again

What Is An Annuity?

An annuity is an insurance policy for retirement. The long-term investment is designed to help investors grow their retirement savings, tax-deferred, and/or provide a retirement income for an entire lifetime.

Additionally, retirees utilize an annuity to safely grow their 401(k) and IRAs leading up to when they retire or efficiently spend their 401(k) and IRA during retirement.

What Is A Fixed Indexed Annuity

A fixed indexed annuity is a fixed annuity that earns interest based on the performance of a stock market index such as the S&P 500, Nasdaq, or Dow Jones. Because a fixed indexed annuity is an insurance policy, investors can never lose money due to a stock market crash. Investors are not investing directly in the stock market. The market performance is simply a measuring stick to determine how much compound interest is credited to your annuity each year.

Invest with compound interest!

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Lock-In Gains

All gains earned in a fixed indexed annuity are locked in and can never be lost in a down market. Once you earn the compounded interest, it is yours to keep.

What can I Invest In?

Fixed Index annuities allow investors to earn compound interest by investing in

Protect Your Investment

An indexed annuity is an insurance policy. As a result, investors will never suffer financial loss as a result of the stock market decline.

Utilize a Bonus For Contribution Match

Fixed index annuities can offer a guaranteed bonus on contributions to the retirement plan. The bonus mimics a company’s 401(k) contribution match.

For example, if an investor contributed $100,000 to an annuity offering an 8% bonus, they immediately have $108,000 in their account.

Bonus Annuities

Shop and compare annuities that offer a sign-on premium bonus, up to 17%.

Invest Your Savings In Low-Cost Retirement Plans

Most fixed index annuities do not charge a fee for safely accumulating wealth. However, some plans charge an optional fee for more upside potential than standard products.

How Much Interest Could I Earn?

There are plenty of fixed index annuity plans that do not produce solid results. With that said, utilizing an annuity expert to research products for you could produce beneficial results.

For example, my wife earned $26,865.24 in interest on her $112,642 fixed index annuity last year. She didn’t pay fees, and she’ll never lose money to the stock market taking a nosedive.

Hypothetical Example

How To Invest Risk-Free For Retirement: Stock Market Gains Without Losing Money (2021)

What Are The Trade-Offs?

Open a Roth IRA Annuity

By opening a Roth IRA fixed indexed annuity, all gains will be tax-free when you retire. The same contribution limits apply to the annuity. Investors should maximize contributions in the Roth IRA fixed index annuity first, then contribute to a non-qualified annuity afterward.

Contribute to an IRA with No Fees

If you are seeking an IRA with no fees, an annuity might be the perfect option. Most IRA fixed index annuities don’t charge fees to owners unless they want to pay for more upside potential or add an optional rider for guaranteed income.

IRA or CD?

Because cd rates are meager, an IRA fixed indexed annuity is a better option because the investment is protected from market loss, the earnings are tax-deferred or tax-free. Investors also get to invest with compound interest.

Roth IRA Annuities

Shop and compare the best Roth IRA annuities to grow your retirement or generate an income for life, TAX-FREE!

Open a Non-Qualified Annuity

After maximizing the contribution limits to a Roth IRA fixed index annuity, owners should then start contributing to a non-qualified annuity. Non-qualified annuities are funded with money that has already been taxed. Therefore, only the gains earned will be taxed in the future while the original investment is not.

Non-Qualified Annuities

Shop and compare the best non-qualified annuity products to grow your retirement savings safely or generate an income for the rest of your life.

Get An Annuity For Retirement Income

Another primary reason why so many people buy annuities is the guaranteeing of future income in retirement. The annuity can tell you exactly how much guaranteed income you could receive during retirement, starting today. Fixed index annuities also can educate an investor how to achieve their desired future income as well.

The Best Companies For Retirement Plans

When comparing retirement plans, the following companies offer the best retirement plan benefits and options:

Annuities with the Highest Returns

Shop and compare fixed index annuities with the highest illustrated returns, then request a quote!


Fixed index annuities are one of the best places to invest money without risk. Annuity owners can invest safely with high returns.

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Why you can trust The Annuity Expert

At The Annuity Expert, we strive to help you make confident financial decisions regarding annuities. Content provided is created by an independent licensed financial professional.

The Annuity Expert is an online insurance agency that provides the widest variety of annuities in the United States. When you buy an annuity directly from us, we receive a predetermined commission from the insurance company (not you). While your annuity is active, clients are not charged any servicing or management fees. Learn more.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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