CCinOC writes,<<<This just further confirms my belief that annuities of all stripes are bad for retirees who still have enough sense to come in out of the rain.>>>Yes, all retirees should definitely participate in the coming stock market surge. They should consider cashing out their annuities--even at a loss, if necessary--to do so. </snip>Stock and bond prices go up and down, but the money you lose to fees, commissions and costs is gone forever. That's why it's best to minimize/eliminate the latter.intercstFee & Commission Elimination Planner
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