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I've heard that Annuities are a bad idea for retirement . Do variable annuities share the problems with annuities? I'm trying to figure out how mutual funds and variable annuities will affect me differently. Currently, a little more than half of my retirement is going into CREF variable annuities (most of the rest is going into large cap index mutual funds) and I want to be sure I am making the right choice while I am young.
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