Each investment product has a place and a specific purpose where it may fit properly into someone’s retirement planning, but without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for you. It is the discovery of your true needs and desires that is the first step you should take, not the choice of investment products that historically many people have made as their first step.