I just heard about a retirement plan called American Equity's Gold Standard for secure retirement. It is a "Lifetime Income Benefit Rider" which guarantees 8% compounded interest, protected cash/capital investment, and a 10% "sign-up bonus." It does have some restrictions and penalties for early withdrawal, but the guarantee of 8% sounds way too good to be true. Does anyone have have experience with this plan and, if so, what am I missing? Who wouldn't go for a guarantee of 8% comppounded interest?