IRA/Annuity Question

[ShokWaveRider]

I see an advantage to a MYGA, which works similiar to a CD but issued by an insurance company. For example I just checked Stan The Annuity Man® | Brutally Honest Facts About Annuities and found I can get a 7 year MYGA from an A rated insurance company paying 5.45% per year, and I can withdraw up to 10% per year starting year 2. This is quite a bit better than brokered CD at Fidelity, paying 4.1% per year from 2-5 year CDs.

I second the MYGA strategy.