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First, several to assess you qualify for a Roth IRA. The eligibility requirements change period so confirm you are permitted to get a Roth IRA before doing this to get one.
It’s too complicated as of now. I am uncertain about the fund management expertise. The rates are way too beautiful too, even so, guess it lets you do inevitably evolve. If that is not done then good fund managers will stop willing to come in. I’m willing to share it only after I see its performance for 4-5 years. Also, I am not sure how the annuity seems priced.