No. of Recommendations: 0
Caat asks:

Any opinions out there as to whether or not it would be worth the surrender fee
to get out now (or in Oct?) and roll that money over into a Vanguard IRA or SEP?
Maybe VTSMX... or...VFINX & VEXMX...or something to the effect? ie: would he likely
lose less now, by surrendering, getting into low-fee funds and not having those
expenses over the next 4 years?

You should run the numbers over the same period of time for the various actions you are considering (i.e., get out now, get out in Oct, or get out when the surrender fees expire). Compare your projected returns INSIDE the annuity to those you would get by investing the annuity's net proceeds in the alternative you desire. That should give you your answer quite handily. Go out five or ten years, and the answer should be clear.

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