Coming to point where we have to rollover some non IRA type investments. We're not much on the gambling side not am I knowledgeable in this area. A few people I have spoken with are pushing annuities with a fixed rate or indexed
The indexed is a 10+ year deal with a guarantee on the principal only but has shown substantially higher return's.
the fixed rate is a guaranteed return and can be had for a much shorter period 3-5 years at ~ 3% which isn't much but way better than banks, C/d's etc.
With the economy in a flux I'm hesittant to lock it down for much more that 3 years but that could be the wrong move as well ?

Any thoughts / wisdom out there ?
TIA
Tim