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<<I have been advised to take some of the bond funds and growth funds in my portfolio and put them in a tax deferred annuity with Fidelity, where my funds are located. >>

Was this advice from someone who stands to make money from increasing the fees you pay? You should be aware that annuities will underperform similar mutual funds because of higher costs. Also the gains from your annuities will be taxed as ordinary income (39.6% max I think) vs 20% for capital gains. Taking a hit on capital gains taxes seems like a bargain to get out of funds undeperforming that badly.
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