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deferred return is based on the market performance of the annuity. Your principal is invested nn mutual funds, where professional management provides an extra degree of safety.

Because your rate of return is not fixed, variable annuities offer the potential to earn a greater return over time. And while your principal is not guaranteed, variable annuities do provide a guaranteed death benefit equal to the amount of principal paid in.

If you're not ready to invest a large sum, variable annuities offer flexible schedules, so you can invest in them monthly, for example, if you prefer.

Ask your Investment Representative

How do you find the annuities best suited to your financial goals? Whether you're looking for tax-deferred income or an investment strategy to make your retirement dreams a reality, call Edward D. Jones & Co. We can help you develop a conservative investment strategy that fits your needs for safety and growth. ■

* Banking instruments are insured by federal agencies.

The principal is stable and the yield does not fluctuate. ** All guarantees are made by the issuer. No representation

is made as to the issuer's ability to meet its

commitments.

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