Safe Money
Protecting your retirement savings from market risk, inflation, and sequence-of-returns danger.
Series I Savings Bonds: A Complete Guide for Retirees
Series I savings bonds adjust for inflation every six months, cannot lose principal value, and offer favorable federal tax treatment — here is everything retirees need to know about how they work, what they cost, where to buy them, and how they are taxed.
All Safe Money Articles6 more
Fixed Indexed Annuity Sales Hit Record in 2024: What the Surge Tells Us
Fixed indexed annuity sales reached $126.9 billion in 2024, part of a broader record year for annuities—and the numbers reveal something real about how retirees are thinking about risk.
January 28, 2025
What "Safe Money" Actually Means in Retirement
Understanding the difference between principal protection, fixed indexed annuities, CDs, and bonds — and why sequence of returns risk changes everything after you stop working.
January 15, 2025
Annuity Types Explained: A Plain-English Guide to How Each Works
Annuities are among the most misunderstood products in the retirement landscape. This guide explains the major types, what each is designed to do, how surrender periods work, and how annuities interact with required minimum distributions.
November 20, 2024
I-Bond Rates in 2025: How the Fed's Decisions Shaped Returns for Conservative Savers
Series I savings bond rates remained in the 3.98–4.03% range through 2025, offering inflation-protected returns with a fixed component that rewarded buyers who locked in rates earlier in the year.
November 1, 2024
CD Rates After the Fed Cuts: How Retirees Should Think About Locking In Now
After the Federal Reserve cut rates in October 2025, top certificate of deposit rates remained above 4% in some terms—but the window for locking in elevated yields is narrowing.
September 18, 2024
Required Minimum Distributions: A Complete Guide Under SECURE 2.0
The SECURE 2.0 Act, signed December 29, 2022, raised the age for required minimum distributions to 73, reduced the penalty for missed withdrawals, and changed inherited IRA rules — here is what account owners and beneficiaries need to understand.
December 29, 2022Also from REN
The Still-Working Exception to Required Minimum Distributions at Age 73
July 16, 2026How Your Bank Account Is Titled Can Override Your Will
July 15, 2026Working After You Claim Social Security: How Earnings Can Both Lower and Raise Your Benefit
July 14, 2026The Part B Late Enrollment Penalty: Why Timing Your Medicare Sign-Up Matters More Than You Think
July 13, 2026Why Long-Term Care Is Different From Medical Care, and Why That Distinction Matters
July 12, 2026Free Weekly Briefing
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