401k vs IUL - 401k vs IUL Explained for Dummies



What are 401ks vs IULs – What is a 401k vs IUL? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of 401ks vs IUL s and learn how you can avoid the most common mistakes that individuals have made when looking to purchase a 401k vs IUL. 401K vs IUL Options - Real Returns Versus Average Returns? What's the difference? The stock market always reports returns as average. Why? The stock market has Average Returns because they must factor in the negative years and divide by the number of years of the investment (thus avg). An Indexed Universal policy only has Real Returns; It never has a negative return in any year. This is extremely powerful over time and will far outpace any investment that has negative returns in just a short period. So, in actuality, the "Real Return" of a stock market index would be far less than than it's "Avg. Return". This is just another reason not to subject your retirement to anything AVERAGE! Plus, an Indexed Universal Life policy has something (many things actually but here are 2) that are critically important! First, an IUL has an Annual LOCK-IN of your prior years returns and second is a floor of between 0-3% depending on the policy/carrier. THIS IS HUGE ADVANTAGE that no other policy offers!! Additional Information on Index Universal Life Policies: "Would you rather be taxed on the seed or the harvest?" The seed, for sure!! I can buy the seed for $500 and I'll make $5,000 on the harvest. Would you rather pay tax on $500 or $5,000? This being the case, why are so many people using Tax Deferred qualified plan investments like 401k's to save for retirement? The second you contribute to a Tax Deferred investment, you're under control of the IRS and Uncle Sam's rules; He can change them at any time! With Social Security going bankrupt and the National Debt growing out of control, I'd bet taxes will be higher in 20-30 years. This is another reason not to use a Tax Deferred investment for your retirement planning. There is a better way and it's called a Indexed Universal Life Policy. Indexed Universal Life Insurance (IUL) is a Tax Free insurance policy that puts the owner in control of their retirement and not Uncle Sam! It's perfect for individuals and business owners and has more "living benefits" than the actual death benefit that is included. The absolute beauty of these plans is their not classified as "Qualified Plans" by the IRS, yet they are ideally suited to save for retirement. An IUL is a permanent cash-value life insurance product that is designed to outperform Whole Life, Universal Life and Variable Life without the catastrophic downside risk. In fact, IUL policies have zero downside risk! IUL policies are linked to major market indexes like the S&P 500, but your money is never in the market. For example, if the market index returns a negative 30%, your downside protection within the IUL policy will protect you from these losses. However, you benefit from any positive market returns each year. This provides your investment with the best of both worlds...all the up side with no downside risk! Indexed Universal life policies are far more advantageous than any "Tax Deferred Qualified Plan" on the market! These policies are individually built for the specific individual Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: 401k vs IUL annuities 401k vs IUL income 401k vs IUL explained 401k vs IUL reviews 401k vs IUL review What is the best fixed indexed 401k vs IUL vs the top immediate 401k vs IUL https://www.youtube.com/watch?v=E94FP3Yn45Q

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