Hi Zopnav01,

As has already been mentioned, your ROTH is ‘Never’ taxed. You wouldn’t want to trade this in for tax differed. Also as has already been mentioned Fidelity and Vanguard offer lower priced annuities.

Any investments you might want to put into an annuity would be not tax efficient, such as REITs and bonds. Inflation protected bonds, you can buy over time as I-bonds.

Chin