I have had a T>S>A> since 1989 to which I contributed approx. $200 per month. I now have about $31,000 annuity value and $27,000 surrender value. am 63,probably will retire from teaching at end of this year or next. I would like to have my money now so I can invest in it myself as I do not think I am getting a very good return?(do You?) but is seems so complicated. I guess I can take it montly or quartlerly for not very large sums the remaining to be paid in the last of three years. However If I read correctly they will still skim off%20 plus taxes. How should I handle the withdrawal and what do you think over all? I can give more information if necessary. I am in a quandry. thanks potatowagon
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