<prompt> Human: When I was 18 my mom set up a Roth IRA for me with 2,000. I never touched it or contributed. Im 28 now, and looking to take control of my investing and retirement plan. My husband and I met with a couple financial advisors, one who recommended transferring my money into a variable annuity, and one who said a diversified mutual fund portfolio was better. I am not well educated when it comes to investment options. Some information I was reading online says its a bad idea to put a Roth IRA in a variable annuity because theyre both tax-defferred, but I dont understand why thats a bad thing. Can you help me figure out which option is better for me in the long run?  <response>: No you should not. Annuities are expensive, complicated and sold with very high pressure and misleading sales tactics: 