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I am asking this question for my mother in law who is 75...Two years ago , she cashed in a few CD's at her bank and from the advice of the banker ( or whoever she spoke to)&, she opened a IRA Annunity with Dreyfus/transamerica life ins. co.....3/4 of this is in what they call a" guarantee 3 year period" and the other 1/4 is in a growth and income fund..The 3 year portion is only earning 4.5%....She would like me to find some other way to invest this...The money will be for her grandchildren to inherit...I thought that after age 71(?) she had to start withdrawing on an IRA.....Can this be moved or is this an OK investment for her? I think since she is not going to use this money for herself , she should take more risk....Any ideas and how do I go about this?

thanks very much for any advice.....

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