No. of Recommendations: 0
Badger's analysis agrees with mine - take the roll over to an IRA.

I am not a fan of annuities -- as far as I can tell the the only people who come out ahead with them are the people collecting sales commissions.

If you expect to work for 10 to 15 years, I would suggest you have signficant, if not major, exposure to stocks. You may want to look at mutual funds that are classed as "balanced" or "growth and income" which will be somewhat lower risk then pure stock funds.

Assume normal life expectancies, in my view you can not afford the "security" of bonds or CDs. You need to look for an increase in your retirement funds, beyond inflation.

A good place to start in checking out mutual funds is Morningstar. Look at the 5 and 10 year results, not 1, 2 and 3 year results.

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