Why throw away the 3%...shift your VA position into a more aggressive portfolio and take advantage tax defferral especially in a typically more aggressive and actively traded fund...also FYI for the ASSET CLASS(Aggressive Growth) VA subaccounts outperform their MF counter parts...1YR performance (3/31/00) MF(avg)-60.06% while VA's were at 72.68%(avg) 21% higher...THIS IS AFTER FEES!!!!!!! Check it out VARDS.com
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