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Greetings, Mary, and welcome. You asked:

<<I'm a teacher with about $10,000 in a fixed annuity paying only about 5%per annum. The surrender charge is 14%. Any formulas for figuring how long until I recoup my loss if I roll it over into another non-annuity retirement plan consisting of stocks?>>

Ataloss gave you a great formula for determining your breakeven point for such a switch. OTOH, if working with exponents seems intimidating, you can always set up a spreadsheet comparison of $10K compounding at 5% per year (or 0.4167% per month) against $8.6K compounding at your estimated rate of return (divide by 12 to get the monthly rate). Either method will get you there.

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