No. of Recommendations: 0
Thanks Pixy, PP and ataloss,

It is only by getting some variety of advice that one can begin to sort out the options better for oneself ( and as Pixy pointed out in his/her first repsonse that is ultimately my resonsibility. My basic concerns here have been two fold: (1) whether the added costs (in this case 0.8% plus the funds operating costs, which are greater than an ordinary index fund, that is a total of 1.08% vs fund cost of around 0.19% for the standard index fund) would be offset by the deferred tax advantage) and (2)whether to take the current capital gains hit to invest in the annuity vs standing pat with the fund or moving it to some other investments.
Asi indicated in my second post, I seem to have started down a "foolish" path and think I will continue to do so. I appreciate ataloss analysis of the capital gains hit, I was about to run a similar thing myself. I also have to determine more accurately whether the fund is currently performing more in line with the S&P, which I thnk it is and monitor it closely, rather than simply liquidate it on the basis of the poorer performance in the previous few years. Finally, if I do determine to liquidate it, I will probably do so over a few years, because I have too much invested over too lont a time to take the hit all in one year.

AGain thanks for the input all.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.