 Is your money sitting on the sidelines in a CD, savings account, or a money market account, earning less than it could? If you have your money in a bank, the value of your money is getting destroyed by inflation. Don't let low interest rates get you down. How would you like tax-deferred growth higher than what banks offer? Why let a bank pay you less when you can currently get three-year and five-year fixed annuity interest rates of almost 6% tax-deferred?