I am not advocating for the elimination of the stock market in your retirement portfolio. Like I said, I own mutual funds and stocks. Of course you have to make the decision for yourself.
I am suggesting everyone, whether young or old, should take a look at indexed annuities. They don't replace stock market investing but I do think they compliment it very well.
FIA's are also not a short-term savings vehicle. They are designed to be held for a number of years. Some have surrender charges as long as 15 years or more.
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