Kris,

You have a somewhat non-standard mix of investment choices. It includes the nine traditional variable annuities (consider them to be mutual funds that upon retirement you could if you desired to do so convert into an immediate annuity). I do not know what class of mutual funds you have but I am reasonably sure they are of T-Cs Retirement Class. The selection of mutual funds with one exception are actively managed funds; the one exception if the S&P 500 fund. The managed funds will have higher expense rations (ERs) than index funds so while they are not cheap, they are not expensive either.

For the moment I would stick with the allocation I mentioned in my second post for equities - stick with the Stock Account. An alternative would be the Global Equities. If you want information on them go to this Link select the one you want, say Global Equities and click on it; a new window will open with information on the account. Look to the right hand side and note the column of choices the first (at the top of the column of choices) is View - there select and click on Fact Sheet and you will get a two page summary of the Global Equities Account.

You should have enough information now, or will when you get the relevant fact sheets, to make some informed judgments if you go with T-C.

Ray