Table of Contents   PART I - INTRODUCTORY MATERIAL Chapter 1     Why This Book? Chapter 2     Pro Variable Annuity Press Chapter 3     Anti-Mutual Fund Press Chapter 4     Fifty Reasons Why Variable Annuities are Better Long-Term                       Investments Than Mutual Funds Chapter 5     Understanding Variable Annuity Terminology Chapter 6     Annuitization and the Exclusion Ratio Chapter 7     Comparison Data PART II - THE TAX CONSEQUENCES OF MUTUAL FUND OWNERSHIP  Chapter 8     The Capital Gains Myth Chapter 9     The Magic of Income Tax Deferral Chapter 10    Taxation of Variable Annuities Chapter 11    Making an Informed Investment Decision Chapter 12    The Late-year Purchase Trap Chapter 13    The Embedded Gains Tax Trap Chapter 14    Costly Tax Traps Chapter 15    Mutual Fund Taxation in a Declining Stock Market Chapter 16    The Dreaded Alternative Minimum Tax Chapter 17    The Break-even Point Chapter 18    Elimination of Estate and Income Taxes Chapter 19    Lost Tax Exemptions Chapter 20    Lost Tax Deductions Chapter 21    Lost Tax Credits Chapter 22    A National Sales Tax Chapter 23    A Flat Tax Chapter 24    Capital Gains Rates and Holding Periods Chapter 25    The Stepped-up Basis Chapter 26    Retirement Account Restrictions Chapter 27    Taxation of Social Security Chapter 28    Tax Treatment of Losses 107 Chapter 29    Estimated Taxes Chapter 30    State and Local Taxes   PART III - THE COST OF OWNING MUTUAL FUNDS Chapter 31    The Real Cost of Mutual Fund Ownership Chapter 32    The Tax Cost of Mutual Fund Ownership - A Review Chapter 33    Annual Expenses Chapter 34    Sales Charges Chapter 35    Transaction Costs Chapter 36    Record-Keeping Costs  PART IV - BENEFITS OF VARIABLE ANNUITY OWNERSHIP Chapter 37    Protection from Creditors Chapter 38    Probate Costs Chapter 39    College Tuition Assistance Qualification Chapter 40    Medicaid Qualification Chapter 41    The Right of Revocation Chapter 42    Investment Safety Chapter 43    The Death Benefit Chapter 44    Automatic Dollar-Cost Averaging and Asset Allocation/Rebalancing Chapter 45    Living Benefits Chapter 46    Preventing Potential Life Insurance Losses Chapter 47    Detailed Studies Chapter 48    Making Tax-Free Withdrawals from a Variable Annuity to Fund a Retirement Goal Chapter 49    Fixed Costs vs. Increasing Costs Chapter 50    The Variable Annuity’s Fixed Income Benefit  PART V - DO VARIABLE ANNUITIES BELONG IN QUALIFIED PLANS? Chapter 51    Do Variable Annuities Belong in Qualified Plans? Chapter 52    The Duplicity Argument Chapter 53    The Higher Cost Argument Chapter 54    Benefits Provided by Variable Annuities Chapter 55    The Impropriety Argument