Compared to an S&P 500 index fund, an annuity will likely yield lower total growth over a 30-year span.

You are highly and want a "safety net" outside of stocks.

Unlike the stock market, many annuities offer a guaranteed minimum return.

Works like a long-term CD with a guaranteed interest rate.

Small deposits have decades to grow tax-deferred.

At 35, your greatest asset is . Buying an annuity now usually involves a Deferred Annuity , where you deposit funds today and let them grow for 20–30 years before taking payments.

You want on a large lump sum (like an inheritance).

Buying an annuity at 35 is an unconventional move that prioritizes long-term security over high-growth potential. While most people wait until their 50s or 60s, starting early can create a massive "pension-like" foundation for retirement. 📈 The Strategy: Why Buy Now?