No. The retirement account already provides tax deferral. Annuities also provide tax deferral however you pay dearly for this feature as your investment is subject to hefty operating expenses and hefty surrender charges imposed by the issuer to ensure that it recovers the hefty commissions it advanced to your financial advisor. Whenever a financial recommends purchasing an annuity in your IRA it should be a red flag and you should consider another financial advisor.

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