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Retirement Discussions / Retire Early CampFIRE

URL:  http://boards.fool.com/what-i-dont-understand-is-why-dont-yall-just-30509670.aspx

Subject:  Re: On second thought, 2828 - Small Cap Issue Date:  1/27/2013  7:15 PM
Author:  CCinOC Number:  668580 of 756526

What I don't understand is why don't y'all just put your money in index funds and not worry about it? Just leave it there and let it grow?

One could do the same thing in an Index Universal Life policy...

~AND~ your principal would be guaranteed against loss;
~AND~ your gains would be taken off the table and likewise guaranteed against loss;
~AND~ your beneficiaries would get a nice big payoff when you finally do kick the bucket--many more times what you paid in;
~AND~ the money you withdraw would be tax-free.

Caveat: your upside is limited to 17% annual gains.
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