The top concern of 86% of retirees is losing their wealth, according to the 2011 March Edition of Financial Planning Magazine. There are many products out there that offer some principal protection such as CDs, SPIAs, FIAs, Bonds (when matured), money markets and basic savings accounts. Looking at the larger picture of products that offer some principal protection, we see a range between solidity and liquidity. Typically, the longer the investment is, the more money it can return. Shorter terms usually mean greater liquidity, but smaller returns. For example, a SPIA can offer income for life but your money is locked in for life too, you typically can never get it back. A short term CD can typically offer good liquidity, but your return is minimal.