The key to an annuity are a couple of things:1. tax deferral during accumulation- the mutual funds you put the money into grow tax deferred.2. annuitization after retirement- you can go to the annuity co and have them guarantee a certain amount of income for life3. death benefit- usually the annuity will have an enhanced death benefit giving your heirs your highest account value even if you have losses.Matt Tuttle
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