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Annuities are money commonly used to generate retirement income. Because your annuity income is calculated at the time you buy the annuity, think about the things that affect annuity income: current interest rates, the amount you deposit, your age, your gender, the length of time payments are guaranteed and the options you add. Its also important to ask about and understand the fees youll pay for your annuity. However, there may also be provincial regulations that apply. ETFs are traded throughout the day at the current market price.