American workers are so worried about what market turbulence could cost them that they're staying away from investing.

That's according to the 2015 Market Perceptions Study from Allianz Life Insurance Company of North America, which also found that workers are increasingly interested in financial products that guarantee returns—moreso than in products that offer higher return potential, but also greater loss potential.

Thirty-seven percent of respondents cited "fear of market uncertainty" as the reason they wouldn't invest, if they had the extra cash available to do so.

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