- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: Whole Life Insurance, etc
Posted on 4/16/24 at 5:01 pm to JL
Posted on 4/16/24 at 5:01 pm to JL
quote:
Have any of you guys read this white paper? The argument of using whole life as a volatility buffer vs. the "buy term and invest the difference" strategy is compelling. What are your thoughts on this?
I didn't have to click the link to know where it lead to. It's an interesting paper and the strategy would work for a lot of retirees. The problem is that it will fall on deaf ears or in this case blind eyes because it goes against the grain.
1
Posted on 4/16/24 at 8:21 pm to La Place Mike
quote:
The problem is that it will fall on deaf ears or in this case blind eyes because it goes against the grain.
I’ve read the paper. I disagree with some of the premises but in all it brings up some good points. The effective tax rate in retirement is absurd and 30% equities for someone on this plan is almost assuredly too conservative, but it still has relevant things to consider.
The main takeaway is that equities generally kick arse. Using life insurance/annuities to replace bonds over the last decade or so has been a wise decision.
I’d appreciate an update white paper with current rates. Not sure intuitively how it would change things, but I think it’s interesting nonetheless. The paper was written near the non-Covid bottom for rates.
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News