The Annuity vs 401k decision depends on your retirement goals. Annuities ensure a stable income for life but may come with higher fees and less liquidity. A 401(k), on the other hand, allows for market-driven growth and potential employer contributions but lacks income guarantees. The best strategy often involves both—using a 401(k) to grow retirement savings and an annuity to secure ... https://www.federalpensionadvisors.com/post/annuity-vs-401k