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I have an Lincoln Financial annuity that my father gave me that has about $15,000 in it. I am 25 years old.

All I read is about how poor performing annuities are. How do you guys recommend I deal with this account. My thought would be to put in a index fund like the Vanguard. Can I do this with minimal penalty? Would it be better the just keep it where it is? Bottom line, I need any advice you can give. Thanks.
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