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You do not belong in MF if you are not an equity proponent. I have been in equities since 1959 and have enjoyed every rise and fall of the market.
As to indexed annuities, ask the sales rep what the commission is on the item you are considering and what the rating is of that insurance company by various raters. What's their financial strength? etc.

I have owned equity annuities since early 1990s and like Guardian as a top company and the investment as a reasonable performer. Since my other annuity is in an IRA, I have been making mandatory withdrawals from it at rate greater than required.
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