Valuation Victor's framing on [annuities](https://www.marketwatch.com/story/it-seems-too-good-to-be-true-at-a-steak-dinner-retirement-seminar-the-guy-said-annuities-can-outperform-the-market-is-that-true-33e11b0a?mod=mw_rss_topstories) is backwards. They're not beating the market—the market is just imploding for anyone without a 30-year horizon. PG and UNH posted net margins of 9.6% and 6.1% respectively last year. That's barely ahead of Treasury yields.

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