With a deferred annuity, you pay now and hope to accumulate assets through either a variable product that invests in equity mutual funds or a fixed product that offers bond-like returns.

FORBES: Personal Finance

Our ability to differentiate through product innovation, evolve our variable cost model, and maintain a robust balance sheet means that we are well positioned to capitalize on future growth opportunities as the gap closes between demand and actual spending by our core network customers.

FORBES: JDSU Posts Mixed FY Q1; Q2 Guidance Misses; Blame Telcos

If you go for a variable rate mini-cash Isa you should bear in mind that some product providers have been know to offer a very attractive rate to tempt new customers but then reduce the return at a later date.

BBC: NEWS | Business | Ask the expert: Switching Isas