No. of Recommendations: 0
You could get a variable annuity--preferably from a low cost provider such as Vanguard, Fidelity, Scudder, TRowe Price and others. Fools don't like them because of all the restrictions, the fact that those sold by insurance companies and many others have high surrender charges and front end fees. However, you would enjoy the same tax deferred benefits with no restrictions on contributions as from an IRA or 401K.

Better would be to invest in taxable accounts but with a tax minimization strategy. Long term buy and hold of Rule Maker stocks is one of the bests. Otherwise, tax managed mutual funds and index funds would be good choices.
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