http://myselfspace.net/blogs/chris_ford/archive/2006/11/09/612.aspxMyth #1 - Every annuity is a variable annuity. The performance of a variable annuity is based on how the stock market performs. Fixed and immediate annuities are not based on stock market performance. They offer guarantees through fixed minimum interesten-USCommunityServer 2.0 (Build: 60217.2664)