Create My Pension

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In 1980, 38% of private-sector workers had traditional pension plans. Today, that number has dropped to just 15%. This means 82% of workers—and likely you—won't receive a traditional pension from their employer.

The biggest fear in retirement is running out of money. Guaranteed lifetime income eliminates this risk completely. Whether you live to 85 or 105, your income continues.

PensionReplacement.com was created by SafeMoney.com to help Americans bridge this retirement income gap. The shift from pensions to 401k plans transferred all the investment risk from employers to employees—and many people aren't prepared.

• Guaranteed income for life — No matter how long you lived, your check arrived monthly
• Protection from market volatility — Your income didn't depend on investment performance
• Professional management — Employers handled all investment decisions
• Spousal benefits — Many pensions continued paying your spouse after your death

A "personal pension" replicates the security of traditional pensions using modern financial products—primarily annuities. The key difference? You control the process instead of depending on an employer.

Fixed and fixed indexed annuities protect your savings from market losses—your principal can't decrease due to market downturns.

Fixed indexed annuities let you participate in market gains (with caps) while avoiding losses—the best of both worlds.

With income riders or immediate annuities, you receive guaranteed payments for life—just like a traditional pension.

Many products include death benefits, ensuring remaining value passes to heirs—something traditional pensions often lacked.

Perhaps the greatest benefit is psychological. Knowing your essential expenses are covered by guaranteed income lets you enjoy retirement without constantly worrying about market performance.