Whether you're looking for another retirement savings product or want to switch out of an existing variable annuity, consider the Vanguard Variable Annuity.

The main appeal of the Vanguard Variable Annuity is its low costs. According to Morningstar, this annuity's average annual cost is about 75% less than than the industry average of other variable annuities. With an average expense ratio of 0.62%, this variable annuity will help keep fees from eating into your investment.

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The low-cost investment management company, Vanguard, is crediting an annual effective rate of 2.55% for five years on its fixed annuity. After five years you may lock in at the current fixed annuity rates for another five years, or you may allow the rate to renew annually.

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