annuities usually have a lot of fine print, which usually includes lots of crappy fees. make sure you read the fine print.
3.5% isn't bad, except inflation is about to suck and that 3.5 might even be before taxes. also, considering how far we have fallen you should take into consideration what kind of returns might be had with a 3-5 year outlook using a diversified stock portfolio. 3.5% is like a one day swing in the market these days.
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