Sharing an email exchange with a reader and I hope to hear what readers have to say: Hi AK, I am P, one of your loyal followers in your blog. I have a silly question that I ponder the past 2 days that I could not decide. So, I thought you are very financially wise, maybe you can help me. It is like this: I am 45 years old. I am thinking of buying an annuity that will gave me $300 per month for life from age 65.I need to pay 10 years of premium totaling $45562. If I die at age 66, my dependents will get $50, 798. This is the same for my dependents even if I die at age 86. If I die at age 86, I will get $300 per month for 20 years. Another alternative, I could invest for income and maybe buy OCBC shares, I will get a rate of 3.5 per annum. It seems higher. I am at a loss at what to do, what will you do if you will me? ......