Watching your retirement saving drop as a result of falling stock prices can be frightening. As your nest egg dwindles, you may start to second guess your savings choices. Should you direct your money to an annuity instead of a 401K or Keogh plan? Annuities can be expensive and charge you hefty fees, advises CNBC personal finance expert Carmen Wong Ulrich. Before you reallocate your funds, check out Ulrich's advice for an easier way to repair your retirement investments.

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