People who prefer to invest their money in risk-free deposit account options tend to look at the standard banking products - high interest savings accounts, CDs, money market deposit accounts, IRAs, etc. Some may get a little creative and look into annuities. If you feel the need to have an equity-indexed annuity type of investment in your portfolio, chances are you would be interested in a little known investment called an equity-linked certificate of deposit. It's a lower cost alternative to annuities that allows you the peace of mind of having your principal deposit guaranteed by the Government yet still benefit from the growth of the market index.
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