I'm surprised no one has mentioned fixed annuities yet, they're soooo exciting!!!
LOL! That would be me!
Since I don't understand the market - I avoid direct involvement in the market.
The closest I come to the market is sticking money into an indexed annuity that's tied to the market, but, it offers protection on the principal.
It doesn't make much money - not enough to keep pace with inflation - but - it doesn't lose money, other than to inflation, either.
Not like my experience with variable annuities - those were a disaster.
My granddad always said, :As one door closes, another opens".
Wonderful man, terrible cabinet maker...