A Bad Idea -- Understandable Though It May Be

Bank of America is currently running ads that on the surface sound appealing.
They are offering to let you put your retirement savings in things that are guaranteed.

Given the recently performance in the market, who wouldn’t want that?

The answer should be: You.

Guaranteed investments are the not the way to go, if you are saving for a long-time goal (like retirement.)
The returns on such things as money market funds, and certificates of deposits, even if they are guaranteed may not be enough to keep up with inflation, let alone produce the long-term growth that you need.

Appreciate the ads for what they are -- a clever way of trying to increase the amount of money invested in Bank of America -- and keep investing for retirement the way you have.