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There are 3 states in life about money. the first one starts around 25 to about 55 years old and is called the accumulation years. These years, you are accumulating assets either by 401k, IRAs, savings plans, etc. and most would use the stock market to accumulate savings. People had time to deal with the ups and downs of the stock market. In the long run, the stock market will make money. 

Stage 2 is between 55 and 65 years old which is call the preservation years. At this age, you are getting close to thinking about retirement and you need to preserve your accumulating money and reallocate it to still getting a great return without the risk of a downturn of the stock market. 

Stage 3 starts around age 65 and it is called the distribution phase. This means that the funds you accumulated will add on a monthly basis to help you add to Social Security and to maintain a decent lifestyle.

Stage 2 money can be safely transferred to an annuity. 

An Annuity is a product that gives you the ability to accumulate funds on a Tax-deferred basis and provides for systematic payout through various Settlement Options. Thes include providing a guaranteed income for life, the lives of two people, in order for a guaranteed period of time.

One of the Annuities used today is Index Annuities that are tied to the S&P 500 stock market without the loss of the negative years. Always the gain and never the loss of one cent. 

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