OK, maybe I opened myself up for the world out there to offer me financial planning advice. THis was not my intention with the thread - but I suppose if you put the word retirement into the topic, you can only expect the worst. It is like walking into a bakery and mentioning the word wedding. And RAMS, you talk out of your derry rear, pardon the french. Where do you think the RA returns are going to come from, if not the stocks they are invested in? My point, was whether I can build a portfolio of high performance dividend paying stocks, that would outperform an RA, despite the RA tax benefits. And the benefits of the stock portfolio, is that hte Divs would be genuinely tax free, rather than the payouts of the RA, which would still be taxable.
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