Vanguard built their reputation on low-cost funds (including Annuities). Odds are they are the best if you are looking for lowest cost, but I haven't done the research.If you're looking to continue to save and give as little to Uncle Sam as possible, here are a couple options (in no particular order):1. US Savings bonds (tax deferred, and inflation indexed in the case of I-Bonds)2. Municiple Bonds (tax free in most cases)3. Annuities (tax deferred, as you've discovered)4. Tax advantaged funds...usually municiple bond funds5. Investing in individual, non-dividend paying, stocks (long term capital gains taxes are cheaper than 'ordinary income' tax in most cases).6. Realestate (I'm not an expert in this area, but my co-worker is constantly harping on the tax advantages of owning rental property).-Warthog
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