It seems the only option I have left for a tax-deferred investment is a variable annuity. I have done some research, however, and these annuities seem to be limited. This is important, Kealing notes, because one potential trap arises from annuity withdrawals in excess of your original investment, which are taxed as ordinary income, even if they represent capital gains earned from a stock fund. A great approximation would be better than what I have now, which is nothing. Purchases are reinvested distributions, switches into a fund, or new purchases.
Redemptions are switches out of a fund or sale of the fund.
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