After a year marked by firsts and fluctuations (re: interest rates, tech, banking), many investors could be craving a day-to-day that’s a little more…boring. Because in many of the above contexts, boring can be lovely.

Gainbridge believes stable returns, low risk, and clear terms could start looking a lot more appealing than chasing the next breakout stock. And that’s led some to revisit an old-school financial tool: annuities.

While annuities were traditionally built for retirees, younger savers can also access non-tax-deferred annuities, which can be withdrawn before retirement. Modern annuities offer guaranteed returns, high yields over a fixed term, and no hidden fees—and investors can open one online.

In a market full of noise, boring might just be the smartest play.