New-product launches and patent expirations are the key growth variables right now.
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They favored a model that replaced the exogenous growth variable ( unexplained technical progress ) with a model in which the key determinants of growth were explicit in the model.
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As for the remaining funds, if you like the variable annuity idea, I suggest you put $ 50, 000 each into Vanguard's Balanced variable annuity and Vanguard's Mid-Cap Index variable annuity, and $ 25, 000 each into Vanguard's Small Company and Growth variable annuity accounts.
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