Greetings, GEMacLaren, and welcome.<<An annuity may be the very worst way a teacher can invest 403b money for retirement.To learn why, see the article Kiplinger's wrote about me and how I made a school district offer a much better option.>>Unfortunately, that's often true. Glad you were able to force the issue with your employer to obtain more reasonable options within your plan.Regards…..Pixy
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