Why not use annuity products to insure your retirement plan? It is much easier (and less expensive) than you think.
Hurricane Sandy devastated the Atlantic Seaboard, the national election has come and gone, but your money is still safe and sound. Think of the simplicity the annuity brings to your life. No fees, no loads, no risk. If fear of management of your own retirement accounts paralyzes you and causes you stress, simply pass it to a risk bearer, an insurance company, and let the annuity provide you a safe and secure income.