How to Get Guaranteed Growth On Your Money — Without Risking Your Principal
By Laura Bogart
Not everyone has the risk appetite to weather the ups and downs of a volatile stock market. For some people, stability is key — especially if you’re planning to retire sooner rather than later. Looking for a steady product that can ensure stable, reliable income in retirement?
One option that not enough people consider is an annuity. According to the Center for Retirement Research at Boston College, as few as 10% of Americans take advantage of annuities.1
That can be like leaving money on the table. The Gainbridge® SteadyPace™ annuity, for example, pays up to 5.60% APY2, which for context, is four times more than the average certificate of deposit, or CD. And there’s no risk to your principal investment.
Everything You’d Want From a CD
An annuity can be a great way to protect your contributions from market volatility while delivering steady growth.
The Gainbridge® SteadyPace™ annuity provides a guaranteed rate of return — currently up to 5.60% APY2 — which can help you grow your wealth without the risk that comes with stocks, funds, or real estate. With a minimum deposit of just $1,000 and flexible terms ranging from three to 10 years, it can be a smart way to diversify your portfolio while locking in a reliable interest rate.
Not only can an annuity grow your money faster than a typical CD, but you’ll also get added flexibility.3 You can withdraw up to 10% of your premium in the first year without a fee, and up to 10% of the contract value annually after that — a useful option if you want to avoid tapping other retirement or emergency funds.4
Protect Your Money Against Common Financial Fears
If you’ve seen your 401(k) take a dip and don’t like the feelings of uncertainty that come with it (and who would?), you might breathe easier if you add the Gainbridge® SteadyPace™ annuity to your retirement planning.
You’ll lock in guaranteed growth while avoiding unpredictable downturns, and there’s no risk to your principal.
You can get started with just $1,000, but if you choose to deposit more, you could earn a higher interest rate, up to 5.60%.2
Traditionally, people have sought stability in products like CDs or bonds, but many may find themselves dissatisfied with low interest rates. The Gainbridge® SteadyPace™ annuity gives you a similar sense of security while also growing your money faster than the average CD.3
Bottom Line
Want to make sure you’re prepared for retirement? Don’t overlook an annuity as an income stream. With the Gainbridge® SteadyPace™ annuity, you’ll earn guaranteed growth on your money — up to 5.60% APY2 — with zero risk to your principal contribution.
Get started here to start growing and protecting your wealth.
1 Center for Retirement Research at Boston College
2Annual Percentage Yield (“APY”) rates are subject to change at any time. Current rate as of [date] for a 5-10 year term of $100,000 and up.
3Source: Bankrate.com, national average of 5-year CD, week of Aug. 12. 2025. Rates subject to change.
4 Withdrawals above 10% free withdrawal amount are subject to a withdrawal charge and market value adjustment. Note: the 10% free withdrawal amount is based on initial premium for withdrawals within year 1, and anniversary value for withdrawals in year 2 and beyond. See product summary for more details at gainbridge.io/steadypace.
SteadyPace™ is issued by Gainbridge Life Insurance Company, a Delaware-domiciled insurance company with its principal office in Zionsville, Indiana. Products and/or features may not be available in all states. Gainbridge Life Insurance Company is currently licensed and authorized to do business in 49 states (all states except New York) and the District of Columbia. All guarantees are based on the financial strength and claims paying ability of the issuing insurance company. Certificates of Deposit (CDs) and non-tax-deferred annuities are distinct financial products, each with their own characteristics and purposes. CDs are deposit accounts offered by banks and credit unions, insured by the FDIC or NCUA, and typically provide fixed interest rates for specific terms. Please visit gainbridge.io for current rates, full product disclosure and disclaimers and additional information.
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