Dear PP,
Your the first with positive feedback. Are you familiar with Fidelity's Annuities-you didn't say. It seems I would have more flexibility in choosing from 28 portfolios to invest in, therefore a higher yield (if all goes well of course). Honestly, I think I have an understanding of some of this. What I don't get is, if this is as good as it seems, why aren't people going for it. By the by, I have maxed out all other tax-deferred vehicles available to me. Thanks, Galleta