Will hit retirement in less than 4 years. I have over £100.000 in accounts doing little. Was hoping, I guess like many, to have some interest in retirement but the game has changed. 2 choices. Buy a couple of flats to let. My wife hates the idea.

The other choice is to buy another annuity with it. My question is, as it is tax paid what would happen ? Would the government add to it? Pretty confused.