Why It Is Time To Retire 401(K)?
Douglas Andrew: Lock and Reset vs The Market
Why IUL is the best retirement plan?
NBC Interview：Why life insurance should be a part of your portfolio?
Why I don't owe 401(K)/IRAs?
CBS video: The 401K Fallout
IUL - a retirement funding option
Below is a hypothetical comparison of historical performance of 401(K)/S&P 500 and IUL. Let's assume Mr. SP and Mr. IUL both had $100,000 to saved at the end of 1997. Mr. SP invested his 401(K) money in S&P 500 index funds, while Mr. IUL's money was the cash value in his IUL policy. Let's assume the floor of Mr. IUL's policy is 0 and the cap is 12%.
After 15 years, at the end of the 2012, Mr. SP's portfolio grew to $136,000. But because Mr. IUL never lost money in the bear market, he would have twice as much in his account ($267,000)! Even better for Mr. IUL. Since his money was saved in a life insurance policy, he doesn't need to pay tax! Of course, life insurance protects the family and provides shelter, foods, tuition and medical expenses when the insured dies or is critically ill. Moreover, if a long-term care rider is added, an IUL can also pay for the expensive long-term care needs.