Dwdonhoff writes,As a broad-brush, the annual average of all charges inclusive, will be around 150 basis points by the 15th year, and under 100 basis points by the 20th year. That's assuming a tax-free growth & distribution account that is matching 100% to 140% of the annual upside of a single or blend of indexes.</snip>Good Lord. That's more than I'm drawing annually from my portfolio in retirement.I guess you could say I'm living comfortably on the money I'm not paying to an insurance company or "leverage planner" in fees, expenses and costs.intercst
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