Index annuity real returns

Began reading up on Index annuities.  I get mixed messages on what the
real return are after all cost ..particaption etc.  Considerning how
crazy the market seems to be 2000 to today would be a good period for
calulating purposes..  if it makes any difference lets assume a person
starts in 2000 with 100K. or even better there must be others who have
real world returns.  Thanks

--------------------------------------
Misc.invest.financial-plan is a moderated newsgroup where Moderators
strive
to keep the conversations on-topic for financial planning. Other posting
guidelines include a request for brevity and another for trimming posts to
which we respond.  For all of the other tips and suggestions, see "FROM
THE
MODERATORS: Posting to misc.invest.financial-plan", a weekly post now on
the
Newsgroup.