Whereabouts in are you from? nexium 10 mg pret Savers with less than £50,000 are often best sticking to annuities, according to drawdown expert Alastair Black at Standard Life. This is because of the risk that your savings could deplete to such a critical level that it is difficult to recover lost ground. Each saver’s circumstances will be different, though, and many with more than £50,000 will prefer the safety of an annuity.