The Motley Fool Discussion Boards
Investing/Strategies / Retirement Investing
|Subject: Re: Hi gang... wow!!!||Date: 5/30/2013 7:14 PM|
|Author: aj485||Number: 72325 of 78165|
Just as before, I'll say again;
With a zero annual floor, at a 20 year average all-in expense ratio under 1%, and a 90% leveragability at net zero cost (and actually often a positive credit arbitrage,)... nobody's brought forth anything that can outperform.
It doesn't always outperform accounts with deper loss tolerances...
You know, you keep touting that there is 'zero risk' in an IUL, as long as you are willing to pay the fees and limit yourself to the imposed caps. But you seem to ignore a huge risk, especially if one has all of their money in a single IUL.
You are counting on the insurance company to continue paying you. But what if they go belly up? You don't even own any of the stock that your investment returns are based on - all you own is a contract with an insurance company that is belly up. A 'zero floor' on losses isn't going to help you much if your IUL is more than the coverage that your state provides on your policy (and some states don't even cover variable insurance products with their insurance funds).
Sure, it d