With stocks and bonds down, should I use retirement assets, such as a Simplified Employee Pension Plan (SEP) IRA, Roth or annuity, to pay down credit card debt? My stocks are down 15% to 20%, and my annuity is the only investment in the positive. I just turned 59 1/2. My debt is $240,000. -William My first suggestion would be to not make things more complicated for yourself than necessary. Specifically, I mean don’t worry about where the market is in relation to your portfolio. Although it is tempting, tryi ...