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Reply to "retirement plans that have an annuity component?"
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[quote=Anonymous]I have the option of increasing my 401k contributions or Roth IRA contributions. The 401k is an annuity, and if I'm reading the documents correctly, will guarantee that my mutual funds in the plan will retain their value as determined in some way I don't entirely understand. Can someone explain annuity mutual funds for dummies? What should I be looking for to determine where I should put extra savings? Employer match is not an issue. The fees are higher for the 401k annuity than the Roth IRA, which is invested in a Vanguard target age retirement fund. [/quote]
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