Dear PERLA - Congratulations on reaching the point where you begin drawing from your IRA! Regarding your transferring to an annuity... why not consider using a "Flexible Premium Variable Annuity", where you may (if additional funds become available) add to the balance & you may choose among several investment options (you can swap & transfer, etc.) to allocate your funds, depending upon your investment risk tolerance... Explore your options! Good luck & happy holiday. PP
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