Variable annuities were created by the insurance industry in large part to address aging investors' concerns about the possibility of running out of money when they become too old to be able to work any longer. An annuity is a contract issued by an insurer to pay investors in that annuity a regular sum of money, usually monthly, quarterly or annually. Payout streams to those invested in variable annuities are determined by the performance of that annuity's underlying investment.
None of these specific investment classes are recommended by durableincome.com, however, better understanding of them will help you prepare for a more secure retirement. Discuss each asset class or particular investment carefully with your financial advisor before making any investment decision.