 yeah one is a fixed annuity a fixed annuity gives you a fixed rate of return for a fixed period of time let's say there's some out there now they're like six percent six percent per year interest yeah for five years tax deferred you don't pay tax on it so that's a nice little growth you're not going to get you rich quick but you're not going to get bored it's a whole lot better than the one percent cds that were out there for like 20 years in the market so that's fixed then we have something called an immediate annuity