Do you want to grow your retirement savings using the power of the stock market, but you are absolutely terrified of losing your money in a crash? What if you could capture a solid chunk of the market's upside, but contractually guarantee your account will never go backward?

In this video, Shawn Plummer from The Annuity Expert answers whether you should buy an annuity to get stock market upside without direct market loss. Shawn breaks down exactly how a Fixed Index Annuity (FIA) works. He explains why an FIA is the perfect "moderate" growth vehicle (targeting a 4% to 8% return) for people in their late 40s and 50s who need to start de-risking their portfolios.

Shawn also debunks massive internet myths from Reddit and YouTube by explaining the difference between "Caps" and "Participation Rates" (meaning your upside isn't always limited ...