Hello all. I was wondering if I can get some opinions on annuity options. Long story short, my son is getting a settlement of about $50,000. He is currently 5yo and we really wanted his portion to grow.

Option 1:fixed structure

Guaranteed $107,699

*$5000 semi-annual payment for 4 years starting at 18yo

*$805 monthly payments for 7 years

Option 2: indexed iStructure

Guaranteed: $50,000

Historical Low: $177,205

Historical median: $255,769

Historical High:$413,784

*$8985 semi-annual payments for 4 years

*$1467 monthly payments for 7 years

Option 3: fixed structure

Guaranteed: $121,075

• $15000 lump sum at 18yo

• $30000 at 21yo

• $76,075 at 25yo

Option 4: indexed iStructure

Guaranteed:$50000

Low: $240,175

Median: $333,154

High: $588,193

• $27841 at 18yo

• $77390 at 21yo

• $229,922 at 25yo

Option 5: fixed structure

Guaranteed: $125,349

• $870 monthly payments for 12 years

Option 6: indexed iStructure

Guaranteed: $50,000

Low: $257,381

Median: $412,484

High: $767,442

• $1246 monthly payments for 12 years

Edit: California (if that makes any difference)