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Protect what you've worked a lifetime to build — with strategies designed to grow your money without exposing it to market losses.
in Springfield, missouri
Market-Safe Accounts
Market-safe accounts are financial vehicles designed to protect your principal from market downturns while still allowing your money to grow. These strategies — including market safe indexed products — give you the opportunity to participate in market gains without the risk of losing your savings when markets decline.
For people approaching or already in retirement, they can offer stability, predictable income, and peace of mind.
What Are Market-Safe Accounts?
Allow penalty-free withdrawals up to a certain percentage each year
Include guaranteed income options for retirement
Provide tax-deferred growth on your earnings
Offer growth potential tied to a market index — without direct market investment
Market-safe accounts typically:
How Market-Safe Accounts Work
Protect your principal from market losses
Are looking for growth potential without downside risk
Want predictable, guaranteed income you can't outlive
Have experienced losses in the market and want more stability
Are nearing or already in retirement and want to protect your savings
A market-safe account may be a good fit if you:
Who Market-Safe Accounts May Be Good For
Want to leave a financial legacy for your loved ones
Choosing the right mix depends on your timeline, your income needs, and your tax situation.
While market-safe accounts offer protection and predictability, they aren't the right tool for every dollar. Some retirees benefit from combining them with other vehicles — like Roth conversions, tax-advantaged investments, or traditional accounts — to balance growth, access, and tax efficiency.
Market-safe accounts are one piece of a complete retirement strategy.
Things to Consider
Frequently Asked Questions
No, but they are backed by the financial strength of the issuing insurance company. Many include contractual guarantees that protect your principal regardless of market performance.
Are market-safe accounts FDIC insured?
With most market-safe accounts, your principal is protected from market losses. However, fees, surrender charges, or early withdrawals can reduce your balance, so it's important to understand the terms before you commit.
Can I lose money in a market-safe account?
Market-safe accounts typically offer higher growth potential than CDs or savings accounts because their earnings are linked to a market index — while still protecting your principal from loss. They're designed for longer-term retirement planning rather than short-term savings.re.
How is a market-safe account different from a CD or savings account?
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An informed client is an empowered client. We make sure you understand your options so you can make confident decisions.
We recommend what is best for you — not what pays the most. Transparency is non-negotiable.
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At The Advocate Group, everything we do is built on three core principles.
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