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In the near future I will be receiving about $30,000 from an inheritance left by a relative. Currently, at age 44 I'm somewhat behind in my retirement savings, am self-employed, and will be maxing out my SEP-IRA on my own for hopefully years to come.
My Morgan Stanley broker recommends tax differed variable annuities for this money, yet, the MF thrashes annuities and states there's better places for a long term investor to put this $$$.
If you were in my shoes and wanted to invest this $$$ toward your retirement, what vehicle would you use?
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