A $200,000 fixed 3-year annuity inside a rollover IRA can be moved without tax consequences, as the money remains in a tax-deferred account. For safety and liquidity without stock market exposure, short-term US Treasury money market funds are recommended, offering yields around 3.5%-4% with minimal risk. Outside IRAs, tax implications differ, and 1035 exchanges may be needed. Inflation risk should be considered for long-term holdings.
