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To Pixy,
I see your point the idea is that the standard index fund is effectively tax deferred anyway since I do not sell shares of it till I need it. Therefore the annuity is just costing my operating expenses for nothing--plus the annuity withdrawel may be taxed at a higher rate.
Maybe I am finally catching on--a little slow but I will get there eventually. That is why I do not rush into things.

Thanks again,

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