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
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.