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I'm no CFP, so forgive my ignorance. Having said that I used to be a RR and was taught about making the "right choice" between A, B and C shares - that if the investment was intended for longer term such as retirement, A shares should be sold.
Bonds and Annuities are (at least IMO) are completely different animals. With bonds you are lending money and are taking chances on how much you will get back from your borrower. With annuities you are buying a promise from an insurance company who's promising you a guaranteed income in future. There's no "ethical dilemma" (again IMO) between bonds and annuities. They are far apart from each other.
Bonds and Annuities are (at least IMO) are completely different animals. With bonds you are lending money and are taking chances on how much you will get back from your borrower. With annuities you are buying a promise from an insurance company who's promising you a guaranteed income in future. There's no "ethical dilemma" (again IMO) between bonds and annuities. They are far apart from each other.
