No. of Recommendations: 0
Annuities tie up your capital, charge higher fees, have fewer investment options, and you lose the preferential div/LTCG tax treatment.

Broad statement which is misleading. OP mentioned TIAA-CREF variable annuites, which for the most part are no-load and have zero surrender charges with very low fees. Plus they have guaranteed rate of 3% which is higher than any MMF I know of.

Any of these three would be good ideas. The Non-qual deferred comp is intriguing since the assets would grow tax deferred. Depending on your asset allocation, risk tolerances, and current cash requirements will dictate what is best.

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