Thanks for your help. I have one more question. My annuity allows me to invest in several of the Fidelity funds, one of them being the Spartan Index fund. I do have some of the money in it now and if I do not decide to cancel my contract, I plan to move all of it over shortly. Is investing in this fund through an insurance company going to give me the same rate of return than if I canceled my contract and paid the 5% penalty (which is about $250) and invested the money in the same fund directly with Fidelity? I currently pay a $30 fee per year. I have at least 25 years until retirement.Thanks.
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