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Investing/Strategies / Retirement Investing
|Subject: Re: Retirement, college, and Obamanomics||Date: 1/5/2013 12:53 AM|
|Author: Dwdonhoff||Number: 71212 of 72254|
Bottom line is these things are *crazy* expensive.
If that's the baseline assumption, then getting similar financial performance outside of IULs is 300-500% of *crazy* expensive.
Its all relative, I suspect, when the least costly method is considered "expensive."
I would have to run the numbers to be sure, but I'm willing to wager a steak dinner that after any reasonable period of time the insurance company winds up with more money of your money than you do.
Seriously? I don't eat mammals, but how about Anthony's?
I'll offer a double or nothing opportunity (you already lost the prior wager, in case you didn't know it.)
You name any 30 year period, the amount of initial and/or periodic principal contributions, tax rates, inflation rates, and the starting age & health of your designated 'investor.'
You can even choose your 30 year run to backwards fit whatever strategy you plan to apply.
Mandatory strategy outcomes;
Zero market downside participation per year
(Hedge or diversify any way you like, such that you can back a zero-downside guarantee.)
I'll also offer, without handicapping a percentage advantage, with full awareness you can't match;
Collateralizable (borrowable-against) to 90%, against principal and gains, from day #2,
Loans defer both principal & interest for life. No repayment cashflow burden.
Whoever finishes 30 years with the most net/net/net capital wins!
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