No. of Recommendations: 0
As for a lack of flexibility, the ridiculous expense table you posted says it all. The reduction in expense ratio makes it painfully clear that the unfortunate buyer of these products gets banged in the bake-hole with enormous costs in the early years of their "investment" and it takes 30 or 40 years to approach Vanguard-like expense ratios because it takes that long to overcome the ridiculous up front costs of this nonsense.

So.. you hold out Vanguard as an offerer of a comparable alternative. What product, specifically? What gives an equivalent upside-only tax-free (or taxable-equivalent) performance, zero to positive credit access, at a lower real cost?

Bring it, PLEASE... I am all ears (and eyes ;~)

Dave Donhoff
Leverage Planner
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