Don't let companys Like vangard give you bisas information about annuity products. securities do have their place, but if you have to access you money in a down market it creates a thing that they don't like to talk about called reverse dollor cost averaging that could take a retirement account worth 1,000,000 down to 500.000 in a short period of time. You would have to get a 100% return on your account to recover your loss!
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