我知道为什么？401(k) 和 IRA 有 26 trillion 的总资产， 如果把它们都转成年金，那些年金推销员都发大了！

401(k) and IRAs are all tax advantage investment accounts and annuity is tax advantage product as well.  Using tax advantage accounts to hold tax advantage products?  Do you see anything wrong here?  说的不雅一点，那就是‘脱裤子放屁，多此一举'.