Annuities are good for those who do not have the discipline to manage there own investments. If you have the ability and savvy to set up your own investments and withdraw a fixed amount every month not to exceed 4% annually of the beginning base, that is far better then any annuity I have every reviewed. But you need the capability to manage your own portfolio and the discipline not to withdraw more in a crisis or for a fun filled weekend in Reno.
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Life is to short to drink cheap wine.
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