4.75% to 6.00%
Your rate is locked for your entire term.No surprises, no fluctuations.
Lock in a fixed interest rate between ${RATE_TD_RANGE}, protect yourself from market volatility, and watch your money grow. Get started for as little as $100.
Try it for 30 days, no strings attached.

Gainbridge Flex is the most flexible annuity on the market, created for non-retirement financial goals.
Unlike other annuities, you can access your savings before retirement age, contribute to your premium regularly over time, and get started for as little as $100.
Flex offers more flexibility than CDs with a higher guaranteed rate than typical high yield savings accounts.
| High Yield Cash Management Accounts | Certificate of Deposit | Broad Stock Market ETFs | ||
|---|---|---|---|---|
| Returns | Up to ${RATE_HIGHEST} | Around 4.3% | Around 4.0% | 10% annualized nominal return over the long run (many decades) |
| Average Losses | - 13% during downturns | |||
| Volatilty | High | |||
| Principle Protected | Yes, if invested for the entire duration | Yes, if invested for the entire duration | ||
| Fees | None, if invested for the entire duration | Usually waived with a minimum balance requirement | Usually none, if invested for the entire duration | Usually none, for most platforms. |
| Liquidity | 1 to 10 years | Fully liquid | Not liquid for length of term | Very liquid |
| Returns | Up to ##% |
|---|---|
| Average Losses | |
| Volatilty | |
| Principle Protected | Yes, if invested for the entire duration |
| Fees | None, if invested for the entire duration |
| Liquidity | 1 to 10 years |
| High Yield Cash Management Accounts | |
|---|---|
| Returns | Around 4.3% |
| Average Losses | |
| Volatilty | |
| Principle Protected | |
| Fees | Usually waived with a minimum balance requirement |
| Liquidity | Fully liquid |
| Certificate of Deposit | |
|---|---|
| Returns | Around 4.0% |
| Average Losses | |
| Volatilty | |
| Principle Protected | Yes, if invested for the entire duration |
| Fees | Usually none, if invested for the entire duration |
| Liquidity | Not liquid for length of term |
| Broad Stock Market EFTs | |
|---|---|
| Returns | 10% annualized nominal return over the long run (many decades) |
| Average Losses | - 13% during downturns |
| Volatilty | High |
| Principle Protected | |
| Fees | Usually none, for most platforms. |
| Liquidity | Very liquid |
Your rate is locked for your entire term.No surprises, no fluctuations.
Your balance will never go down due to market conditions. Ever.
No more dealing with bots or overseas teams who don’t understand the product. Our team is 100% U.S.-based and dedicated to helping you.
Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.
Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.
Most fixed-rate products want a lump sum upfront. Flex lets you contribute over time - starting at just $100 - while earning one of the highest guaranteed rates available in the fixed income market.
Put money in.
Watch it work. Get paid later.
Choose your preferred term length and savings rates. Longer terms lock in higher rates.

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Choose your preferred term length and savings rates. Longer terms lock in higher rates.
Choose your preferred term length and savings rates. Longer terms lock in higher rates.

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9 Min read
Not sure about investing in an annuity? Read through the pros and cons of annuities to decide whether these products suit your financial plan.

New generations aren’t buying annuities like their parents, and their expectations are reshaping the market. Read Gainbridge's report on the shift to modern solutions.

