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My employer selected a 401(k) plan from Minnesota Life. Our plan currently offers a choice of 18 different invenstment vehicles, such as Life Strategy I (invested in the Vanguard Life Strategy Growth Fund).

In reviewing the characteristics of these 18 options, I noticed none of them invest in funds directly; instead they ALL state they are "offered under your group variable annuity contract."

Most of what I've heard and read about variable annuities has been negative. Should I bring this to my employer's attention -- or am I mixing apples and oranges in this case?
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