Index funds, such as the Vanguard S&P or Total Market, are an excellent place for additional investments if your time frame is more than 5 years. While you are at Vanguard you might also look at their REIT index fund, which would give you some exposure to real estate which will probably not go up and down in synchrony with the stock market. And to leave your annuity where it is, to do for you what you intended when you bought it, is also a good idea. Best wishes, Chris
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