1.   But this portfolio is nicely set up, focusing on solid and proven, mostly conservative, funds and variable annuity accounts.

2.   I am uncertain how your variable annuity account is invested, so it may improve that tally.

3.   How is your annuity account invested?

4.   Investors can move their annuity accounts from one firm to another, but they must fill out special tax forms, which many find daunting.

5.   Like the variable annuity accounts, this will defer the taxes on this money until you are in your non-earning retirement years.

6.   Second, look into variable annuity accounts so as to defer the tax liability on the growth of your savings.

7.   Still, I am considering paying that penalty and moving the money to a Vanguard variable annuity account.

8.   The first is that the expenses for variable annuity accounts are higher than for traditional mutual funds.

9.   The moves you can make without thinking about taxes are with the IRA and the variable annuity account.

10.   Their share prices are depressed now because the decline in the markets has hurt variable annuity sales as well as the fees insurers collect for managing variable annuity accounts.