The Motley Fool Discussion Boards
Investing/Strategies / Retirement Investing
|Subject: Re: Retirement, college, and Obamanomics||Date: 1/3/2013 10:54 PM|
|Author: CCinOC||Number: 71192 of 82002|
KB wrote: You did some nice back of the envelope calculations showing that simply buying the S&P index and collecting the divdends beats the IUL strategy with a 0% floor and 15% cap.
Why is 100% safety of one's principal getting such short shrift in this discussion?
Why is no one mentioning the huge tax-free payoff--much more than I put in--to heirs when (not if) I die?
I would much rather have my $100,000 (upfront policy premium) guaranteed against market risk with a 17% cap and a $400,000 tax free payoff to my heirs than collecting dividends that may or may not cause that taxable strategy to be better than the IUL.
But that's just me. I'm a security addict.
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