No. of Recommendations: 0
While researching retirement investing products [...] I have come to the conclusion that any but the most basic, transparent constructions usually come with enormous hidden fees that quite often make it difficult to even beat inflation in the long term, let alone have any real returns.

How many IUL policies have you actually read from cover to cover? I would put good money on "none."

I've read several, cover to cover, and I tell you that you are wrong.
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