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re: Indexed Universal Life Insurance

Posted on 4/2/13 at 8:44 am to
Posted by Janky
Team Primo
Member since Jun 2011
35957 posts
Posted on 4/2/13 at 8:44 am to
This is based on what the market did in returns. BTW, what market returns are you quoting?

quote:

11.3- 3.96 = a tax adjusted average return of..................................WAIT FOR IT....................... .. 7.34%.




I am telling you what the actual investor did in returns.

quote:

According to an analysis by Dalbar, the average investor earned 2.1% over the twenty year period ended Dec. 31, 2011.


I am not arguing one way or the other about the insurance. Although, I will say permanent insurance DOES make sense in some situations. However, as an investment is not typically one of them.
This post was edited on 4/2/13 at 8:48 am
Posted by Broke
AKA Buttercup
Member since Sep 2006
65065 posts
Posted on 4/2/13 at 8:59 am to
quote:

However, as an investment is not typically one of them.


I've been a planner for 15 years. I haven't had the need for it yet.
Posted by Vols&Shaft83
Throbbing Member
Member since Dec 2012
69954 posts
Posted on 4/2/13 at 9:21 am to
I don't know what went into the Dalbar analysis, we're they looking at stock market investors or all types of investors? Is that 2.1% after or before inflation and taxes?

Not arguing with you either, but if you look at the S&P, the WORST it has performed in a 30 year time period is 8.5% average.
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