re: Retirement Plan Options in addition to Roth IRA

a VA (variable annuity) is a tax-deferred account that invests in the market.

Pros: tax-deferred earnings

Cons: -higher fees (which may or may not be offset by the tax-deferred earnings)
-no access...you would pay a penalty to access money, and you won't be able to withdraw the earnings without 10% penalty from IRS until you are age 59.5.


Really, though, You should probably just max out your 401k/IRAs, and if you're wanting to save more just open up a regular/Individual taxable account (for example, with Vanguard). VAs, while good for additional tax-deferred retirement savings, can be complicated and expensive, and there is no guarantee that the tax-deferred earnings/savings will outweight the higher fees over the longrun.