Yes, all retirees should definitely participate in the coming stock market surge. Yes, they should. They also should have participated in the 2003 surge, the 2009 surge, the 1982 surge, the 1984 surge, and the 1975 surge.They should consider cashing out their annuities--even at a loss, if necessary--to do so. No, that's silly. If they bought an immediate annuity as part of their asset allocation, they should stick to that allocation.If they bought their annuity for no good reason other than a saleman taunted them and scared them -- well, they shouldn't have bought it in the first place.
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