<prompt> Human: So one of my previous employers had an annuity fund retirement plan started for me I guess. Im not too sure how it works, honestly, but I know that the value, which I monitor via Wells Fargo, is just depreciating slowly, as they take fees and whatnot from it. Its not much, but is there something I should do with this money, that I can maybe start making contributions to, that wont have as much money taken out over time? Is an annuity fund right for me? Thank you for any advice you can give me!  <response>: You can usually take the money out of it, but there could be a surrender charge. It depends on the terms of the agreement. Heres some general info that might help you figure out what you have. 