What Are The Best Annuities For Retirement? 
The first step in product selection of an annuity is establishing your risk tolerance profile and purchasing product accordingly . The second , specific to this question , is should the retirement account be qualified or a non-qualified retirement account . And lastly , how many years until you retire ? The younger you are the more time you have and may be able to take on risk . The answers to these questions will determine whether you select annuities with fixed interest rates , indexed rates or separate sub accounts using equities and/or bond instruments . If your effective tax liability is low , consider non-qualified retirement plan . If youre effective tax liability is high , consider a qualified retirement plan , especial if your employer matched the contributions . 