A major factor that keeps people from retiring when they want to is losing money. A fixed index annuity is a conservative option to grow your money without the risk of losing money. This is a hypothetical example of a 40 year old rolling over $200k from an old 401k into an FIA. On day 1 they would be credited a bonus giving them an account value of $228,000. If they never added another penny to it they’d have accumulated $448,510 in 10 years. In 30 years they’ll have accumulated $1,735,594 Drop