The Safest Investment If the Stock Market Crashes

Shawn Plummer

CEO, The Annuity Expert

You’re not alone if you’re worried about the stock market crashing. Many people are concerned about what could happen if the market worsens. While it’s impossible to predict what will happen, certain investments are safer than others. This guide will discuss the safest investment if the stock market crashes.

What Is The Safest Investment If The Stock Market Crashes?

The stock market is volatile, and it’s impossible to predict what will happen from one day to the next. However, fixed annuities and fixed index annuities are one investment that can’t lose value from a stock market crash.

All interest earned is lock-in and can’t decrease in value due to market volatility.

The beauty of fixed and fixed index annuities is that they are designed to protect your principal investment from market volatility.

So, if you’re looking for a safe investment to protect your money from a stock market crash, fixed and fixed index annuities are worth considering.

What Are Other Safe Investments For Stock Market Crashes?

If you’re looking for other safe investments for stock market crashes, buy these investments to protect yourself:

  • Bonds: Bonds are often considered safe investments because they are less volatile than stocks. When the stock market crashes, bonds tend to hold their value better than stocks.
  • Cash: Cash is another safe investment because it doesn’t fluctuate in value like stocks and bonds. If the stock market crashes, you can be sure your cash will still be worth the same.
  • Gold: Gold is a safe investment because it is a precious metal that has been used as a currency for centuries. Gold tends to hold its value well, even during economic turmoil.

Although these investments are considered safe, however, they can lose value.

If you need help choosing the right stocks, we recommend the following:

Help Choosing Stocks
The Motley Fool

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Fixed and fixed index annuities are the perfect solution if you’re looking for a safe investment to protect your money from a stock market crash. With interest rates guaranteed not to decrease in value and protection against market volatility, these investments can give you peace of mind during turbulent times. Contact us today for a quote on this valuable asset.

The Safest Investment If The Stock Market Crashes

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Frequently Asked Questions

What are safe investments with high returns?

There is no such thing as a safe investment with high returns. All investments come with some level of risk, and higher returns usually mean more risk. However, some investments tend to be safer than others. Fixed and fixed index annuities are one example of a safe investment with the potential for above-than-average growth.

What are the best safe investments?

In our professional opinion, fixed index annuities are the best safe investment. These annuities offer guaranteed interest rates, protection against market volatility, and the potential to earn interest based on the performance of an underlying index like the S&P 500.

What is the safest investment for retirement?

The answer to this question depends on your circumstances. For example, some people may consider a fixed annuity the safest retirement investment, while others prefer a more conservative approach with cash or bonds. Ultimately, the best decision is the one that aligns with your goals, risk tolerance, and financial situation.

What are the best invest safe investments for seniors?

Again, this answer depends on the individual. Some seniors prefer a safe investment like a fixed annuity, while others may be more comfortable with a bond or cash account. Ultimately, the best decision is the one that fits your unique circumstances.

What are considered safe short-term investments?

Short-term investments are typically considered to be less risky than long-term investments. Some safe short-term investment options include cash, CDs, and government bonds. These investments tend to have low returns but are less likely to lose value than stocks or other volatile assets.

What is considered safe long-term investments?

Long-term investments are typically considered to be riskier than short-term investments. Some safe long-term investment options include stocks, mutual funds, and ETFs. These investments tend to have higher returns but are more likely to lose value than cash or other stable assets. However, annuities are a type of long-term investment offering guaranteed interest rates and protection against market volatility, making them one of the safest options.

What are considered safe IRA investments?

Some safe IRA investment options include annuities, bonds, and cash. These investments tend to have lower returns but are less likely to lose value than stocks or other volatile assets.

Are bonds safe investments?

Bonds are typically considered to be safe investments. However, there is some risk involved, as bond prices can fluctuate. Nevertheless, bonds tend to be less volatile than stocks and other assets, making them a safe investment for many people.

What is considered high-return safe investments?

Fixed index annuities are one example of a safe investment with the potential for high returns. These annuities offer guaranteed interest rates, protection against market volatility, and the potential to earn interest based on the performance of an underlying index like the S&P 500.

What are considered safe income investments?

Income investments are typically considered to be safe investments. Some examples of income investments include bonds, annuities, and dividends. These investments tend to have lower returns but offer stability and the potential for consistent growth.

Are annuities safe investments?

Fixed and fixed indexed annuities are considered safe investments. However, variable annuities are not as safe as they are subject to market volatility.

What are considered safe investments for retirees?

The answer to this question depends on your circumstances. For example, some people may consider a fixed annuity the safest retirement investment, while others prefer a more conservative approach with cash or bonds. Ultimately, the best decision is the one that aligns with your goals, risk tolerance, and financial situation.

What are high-interest safe investments?

High-interest safe investments include fixed annuities, certificates of deposit, and high-yield savings accounts.

Which safe investments beat inflation?

Safe investments that have the potential to beat inflation include fixed index annuities because they lock in all interest earned, protect against market volatility, and can provide an income for life than can increase with or surpass the rate of inflation.

What are considered safe investments for savings?

Cash, CDs, fixed annuities, and government bonds are typically considered safe investments for savings. These options tend to have low returns but offer stability and the potential to grow your money over time.

What are safe liquid investments?

Safe liquid investments include cash, CDs, and government bonds. In addition, fixed and fixed indexed annuities typically offer 10% of the account to be liquid annually without a penalty.

What safe bond investments?

Government bonds are typically considered safe because they are backed by the government and have a low risk of default. However, some interest rate risk is involved, as bond prices can fluctuate when rates change.

Are CDs considered safe investments?

Yes, certificates of deposit are considered no-risk investments. They are FDIC-insured and offer a fixed interest rate for a set period of time. However, there is some risk involved, as you may not be able to access your money early without paying the penalty.

What are safe investments for retirement income?

Annuities are low-risk investments for retirement income because the income stays the same regardless of how the market performs. In addition, they can provide a guaranteed income for life that can increase with inflation.

Is a 401k safe?

A 401k is not considered a conservative investment because it is subject to market fluctuation. However, it can be a good option for retirement savings if you have a long time horizon and are comfortable with the risks.

Which safe investments today return 5%?

Some safe investments today return around five percent, including fixed and fixed index annuities. As of July 2022, a fixed annuity can guarantee up to 4.60%. A suitable indexed annuity can average between 5% and 7% return.

What is the highest rate of interest on safe investments?

The highest interest rate on safe investments will depend on the current market conditions. However, as of July 2022, some fixed annuities offer rates as high as 4.60 percent.

What investments are safe in an economic depression?

There is no definitive answer as to what investments are safe in an economic depression. However, some people may consider cash, CDs, government bonds, and annuities safe options.

How can I make 3% with safe investments?

There are a few options for how to make three percent with safe investments. As of July 2022, some fixed annuities offer rates as high as four percent. Another option is certificates of deposit, which typically offer around three percent interest.

Frequently Asked Questions

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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