Replies to post #229714 on DD Support Board and Research Team

[fung_derf]

Over the long haul I can get a better return in our IRAs than what an annuity would pay.

I'm not sure what your IRA's are in, but if they are losing money in the market, then they aren't. If they are in CD's then you're not getting paid more.

And rolling RMDs into a Roth prevents future contributions to the IRS.

I'm not sure what you mean by this? You can convert your standard IRA to a ROTH, but the question is, do you want to pay the taxes or let your kids deal with it?

You buy an annuity to protect you against living too long.

I own some annuities. It's like a personal pension. If you are over 81, you are too old.