One more year, we will have 4% yield for T-bond which is attractive!

[Jil]

Here are the discussion happened other forum

[hanera]

4% risk free rate

[marcus335]

@buyinghouse

IULs are paying 12%-16%…tax free. Your money is never invested. And then you get 80% of your premiums back while the other 80% is earning the above.

$100K - $20K = $80K
$80K in your hands, $80K in the policy earning from 0% as of 2008-2009 or 7% to 16% recently as past year.

Not bad, right? $100K, $160K working for you.

What can you earn from $80K?

Where can you “invest” $20K but you have $160K working for you?

Let’s the fun begin!

Stop lying. We should all flag this as SPAM, so then it won’t appear in the thread.

[Elt1]

Bonds are not risk free

[buyinghouse]

Nothing you guys use is risk free.

But if you read 2 responses above…………

[acre]

If bond yields rise equities prices will likely fall - making equity dividend yields higher as well. Equities go up with inflation over long periods; bonds, especially long-dated ones, don’t. 4% won’t mean much if inflation rears it’s ugly head.
A person buying 30 year treasury bonds in the late 1940’s and holding them to maturity lost over half their principle in real terms.