What Annuities Are Best? 
First you have to establish a financial profile and risk tolerance of the saver or investor . Secondly , you need to establish the planning goals . Annuities should be purchased as an ultimate income solution . The deposits in annuities can be credited with an interest rate , an indices -LRB- domestic and/or foreign -RRB- or equities/bonds in separate sub accounts in variable annuities . Your deposits and the credited performance are tied to the value of you annuity account . 