I’ll retract my initial statement as too definitive. :). I have heard enough bad stories though that I would still be hard pressed to ever put my money in an annuity. Maybe I’ll reconsider if I reach the point where I max out on 401k and Roth IRA. That’s a good problem to have.

I appreciate the thoughtful reply. My (extremely simplified) understanding of how they work is... I invest money into an annuity, the company invests the money, pays me some of the returns and keeps the rest. I could have invested in the same mutual funds, index funds, bonds ect and kept the entire return and my money…

Can you give me an example why you would recommend an annuity? Generally I think they are horrible products, but you know more about them then I do (sincere) so I’m curious.

As soon as your financial planner starts talking about annuities or whole life insurance, run like the wind and don’t look back.

Good luck to Apple if they are going to try to make sure Siri does not offend anyone ever. Perhaps Siri is not the best resource for serious situations.

A private company choosing what to sell is far different than something like censorship by a government. Nintendo did nothing immoral as far as the games go.

For just building a straight simple budget, you can’t beat Everydollar.com

A few of them are insults anyway.

While the left are congratulating themselves about attacking Trump, Trump is winning by substantial numbers.

“The GOP can’t do that because they lack ideas. All they have is ideology.”

“Listen up little millenial”

If you did, you wouldn’t have made a comment that had been addressed three times already.

If it’s on a meme, it must be true.

“ so we may as well check it out now in order to prepare for his inevitable takeover of the country”

Read the whole thread if you are going to jump in.

Let me sum it up. You felt the need to made an obnoxious comment, even though you had no idea what you were talking about. Instead of acknowledging your mistake and moving on, you double down. So you’re “not advocating” target date funds, but you continue to argue anyway (without actually making a point). That my…

“It’s buy and hold and hold and hold and redistribute every once in a while.”

This entire topic really isn’t all that interesting, so I will make this my last post and let you have the last word.

I like index funds also. There are some good mutual funds but you really have to pay attention to who is running them. In the end index funds are just easier.

If you are going to be snarky, at least have a clue what you are talking about. You are embarrassing yourself. My entire point was that you DON’T know what will happen in the future, so you don’t want to have all of your money in a fund that will sell your stock automatically without taking into account market…