I'm not sure what Dave means about an IUL being used to fund college educations. Perhaps he will explain.Sure... the most complicated thing to understand is the lack of complication, really. Instead of having separate government-qualified tax-advantaged plans (401ks, IRAs, 520 plans, et al) each with their unique twisty restrictions and requirements on how much can be used, for what, by when, etc........The IUL simply grows & spends tax free, on whatever you want, whenever you want, as little as you want, or as much as you want to the limit of what you've got.You don't have to worry about saving for the kid's college versus your own retirement. You may want to strategically consider how you will SPEND your funds, but that won't be because you accidentally trapped your money in one single-use inaccessible account versus another... all your money is politician-string-free in terms of how, when, why & how much you choose to use it.As for market gains without market risks... its not too good to be true, and anyone could DIY if they wanted that as a result. Its virtually impossible on a DIY basis to outperform the large companies that offer it though, because on a DIY basis you have to build your own safe returns portion of the trade with "new money trades" where the large, established companies let you roll your money in on their "old money trades" and get the benefits of their higher returns.Dave
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