 Do you want a lifetime income account with guaranteed growth up to 7% compounded interest, up to 10% in bonuses on your deposit, and a lifetime income that you cannot live? Or do you want if-come planning, the type of planning that can cause 50% of your retirement money to disappear without notice and for reasons that you have no control over? The type of planning that has high fees and some financial advisor telling you, don't worry, it's only a paper loss.