I have $500,000 in self directed retirement account with vanguard, I will retire in 5 years and my insurance agent wants to have me convert $350,000 to a annunity that is guaranteed to pay 6% . It has high fees, one and one half % and pelality for early withdrawal for the first 8 years. Is this a good idea? I think I can self direct a fund and come out better even if I do not have the peace of mind that the return is guaranteed. What are your opinions