IntroductionWhat Is an Annuity?What Are the Different Types of Annuities?Variable AnnuitiesAssociated RisksOther Risks Are Lack of FlexibilityVariable Annuity RidersIlliquidity, or the Lack of Being Able to Get to Your MoneyEvaluation of Returns: Investment Options inside of Variable AnnuitiesFee and ChargesOptions If You Already Own an AnnuityWhen Should You Consider Using an Annuity?Recent Developments with AnnuitiesSavings Bonds: Little-Known Good Deal