Most high-worth investors over the age of 25 are still wary of the stock market and searching for protection from losses in their retirement accounts.

That's according to the Allianz Life 2013 Investor Market Perceptions Study, which found that 95 percent of respondents – it polled those who have more than $200,000 in investable assets – would prefer a financial product with no potential loss or at least some level of protection from loss rather than one with unlimited potential growth but also unlimited potential loss.

Seventy-six percent said they would prefer a product that offers a balance of potential growth with a level of protection that shelters them from up to 10 percent of losses.

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