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re: Whole Life Insurance, etc
Posted on 4/16/24 at 8:21 pm to La Place Mike
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.
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