Yeah! Our IULs are predicting at least 8% returns this year.
The way indexing works, no way you can miss the train.
January you get 8%
Feb 8%
March 8%
April 8%
May 8%
June 8%
July 12%
Now, the market can go to hell for the rest of the year. You made 5%, and your principal is safe. 0% returns until the market goes through another recovery and bust.
What is the 2015 figure? 300,000?
That would be an implied annualized return of 9%, is well documented that annualized return falls between 7-11% i.e. 17000 to 3,361,000.
[quote=“buyinghouse, post:2, topic:2760”]
Now, the market can go to hell for the rest of the year. You made 5%, and your principal is safe. 0% returns until the market goes through another recovery and bust
[/quote]Paltry return when compare to 7-11%.
Huh? What’s your take on 11% after taxes?
Can you beat 8% tax free with a $1M death benefit? (if you get a premium of at least $1K a month).
Warning. Made up numbers alert. There should be a 10-page disclaimer on that.
Paltry return when compare to 7-11%.
[quote=“buyinghouse, post:5, topic:2760”]
Huh? What’s your take on 11% after taxes?
Can you beat 8% tax free with a $1M death benefit? (if you get a premium of at least $1K a month).
[/quote]7-11% doesn’t include dividends, it refers to the appreciation of the index, not index fund. In any case, index fund guys are good, they know what to do, no tax payment involved.
[quote=“hanera, post:7, topic:2760, full:true”]
Paltry return when compare to 7-11%.
Huh? What’s your take on 11% after taxes?
Can you beat 8% tax free with a $1M death benefit? (if you get a premium of at least $1K a month).
[/quote]7-11% doesn’t include dividends, it refers to the appreciation of the index, not index fund. In any case, index fund guys are good, they know what to do, no tax payment involved.
So, you don’t pay capital gains at all? Well, good for you! Keep the good job!
Now, you can lose all your money, can you? I bet you don’t have a conservative approach, right? We do, we don’t risk people’s money. Insurance companies work on what’s called options. The rest, doesn’t matter.
I like to debate with knowledgeable people like hanera. Very humble and never a conflictive attitude.
@buyinghouse What do you think the life insurance company does with the premiums? Where does the money go?