What Annuities Are Safe? 
That is a great question ! As with all investments , the answer lies in the small print , and the details of your annuity 's contract . Generally , the safest annuity is the fixed one , with the interest rate guaranteed , and the payout clearly defined . However , if the interest rate is n't enough to cover fees and inflation , then even that investment is n't the safest place for your money . Indexed annuities can be good if the guarantees are favorable , and the fixed ones are ideal if the guarantees are solid . The trick then , is to understand exactly what it is that the annuity will do for you , and how much it will cost to do it . I hope that helps , thanks for asking ! 