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I was selected for Tata Consultancy ,got offer letter and a joining date for 5th September 2022.I have left my job at Mobile Programming thinking i will get joining.It is 13th October 2022,I have not got any joining.I am actively looking for a job elsewhere. My Skills are java,springboot, Rest api, Javascript Years of Experience are 4 years Can you please refer me in your company ?
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The latter. Annuities don't really make sense unless you're the one selling it.
Coach
The latter - annuities are a raw deal in most cases.
Mentor
There was a variable annuity crisis in 2008-2009. So if that were to repeat in the 20+ years of your retirement. You could be sol.
I’ll do a Roth ladder and transfer to IRA and take money as needed - very low up front, giving it time to continue growing as much as possible.
Subject Expert
Annuities / whole life insurance make sense if your net worth is over 10M as a hedge but otherwise the premiums are too expensive.
Depending on where interest rates go, annuities may make a bit more sense over the coming months. My dad bought a bunch of them back in 2006-2007 with guaranteed 8%+ rates.
Enthusiast
I will seriously consider a deferred annuity.
Excellent insurance against both market falling & living longer than expected.