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I came to a conclusion that a Vanguard Variable Annuity might be right for some. If you are 70 yr or older it pays 5% for life and if 65-69 yrs if pays 4.5%. If you buy it at a younger age and don't withdraw until 70 yr old you will get 5% annually guarantee if you buy GLWB (guarantee lifetime benefits insurane-no free lunch but the insurance start when you withdraw your first month, quarterly or yearly-you choose method of payment). Once you start (for example 100,000 X5%= $5000 a yr) You will never get less annually but more if on your anniversay date (for example 110,000 X5%= $5500 annually) You can get more on your anniversay date but not less because you purchase GLWB insurance sponser by TranAmerica Insurance. The percentage is sliding rule from 59-1/2 to 70 yrs. It is like a IRA if you take out before 59-1/2 there is a penalty for early withdraw.

I found this might be this best for me .
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