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My wife is investing in a before tax annunity in the school district in which she works. The annunity is thru Equitable and she has the investment dispursed amoung three different funds...Alliance Common Stock, Alliance Equity, and MFS Research. She has been in the funds since March of 1998. The funds have been doing poorly in my mind given the change in the market through this time period. She now has about a 6% return during this time period. We are both seasoned mutual fund investors and are aware of the fluctuations in the market. We have been investing for 15 years and have money tied up in equities, mutual funds, IRAs, and money market instruments. Our total net worth is about $600,000 and we are about 10 years from retiremnet. I have never thought much of annunities but that is the only before tax investment opportunity available at her

place of business.

My question????...Should she stay in this Annunity ever though it is a low rate of return, given the fact that it is invested before taxes?

How do you compare these instruments of investments?

With stocks and mutual funds and MM's there is published information available for comparsion. Is there any way to compare Annunities?????
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