Indexed Annuities may be the right thing for you if you are a conservative investor who hates risk yet wants to invest in the stock market. Today there are over 300 IA's on the market, with all kinds of differences in, earning caps, surrender charges and distribution restrictions, so you must be careful. Before investing, you absolutely need to read "The Future of Retirement Savings", a hands-on comprehensive, unbiased assessment of IA's, including the primary features you need to know.