Originally Posted by Gunfighter

No matter how you slice it, annuities are loaded with fees. As Planetrain points out in the linked article, the expected returns are lower than an equity mutual fund. Additionally as BMEP100 points out, ALPA National or even DALPA's best interest may not serve our individual best interest. We have a responsibility to keep our eye on the R&I folks.

I applaud the efforts by our R&I team in finding enhancements to our retirement plan. The first step should be a 20% DC, so we can hit the IRS max with company funds. Subsequent steps can explore less efficient options like annuities.