..Are investors beating the market, or is the market beating them? The S &P 500 has moved up over 200% since the crash in 2009...Have investors done that well? A statistical study by a major Mutual Fund analysis firm says that the average investor has made less than 5% annually since the crash, and less than 4% annually over the past 30 years—How can it be?? Numbers don’t lie, we’ll show you. Then Steve answers the 25 most frequently asked questions about annuities