Deciding where to invest $10,000 for retirement requires understanding the options available. Two popular choices are the S&P 500 and annuities. Each has unique attributes, benefits and risks, which are crucial to consider when planning for retirement. Don't Miss: The average American couple has saved this much money for retirement — How do you compare? Can you guess how many Americans successfully retire with $1,000,000 saved? The percentage may shock you. The S&P 500: Performance And Projectio