Tax-Free IUL vs. 401(k)…a 15 year look back of the S&P 500.

Tax-Free IUL vs. 401(k)…a 15 year look back of the S&P 500.

Tax-Free IUL vs 401(k) a 15 year Look Back
Tax-Free IUL vs 401(k) a 15 year Look Back

A 15 Year Look Back: $100,000 Initial Investment S&P 500 Index vs. Tax-Free IUL Indexed to S&P 500 With 14% Cap and 0% Floor.

Bottom Line after 15 years $8,300 Taxable 401(k) income vs. $23,000 Tax-Free Income in the IUL.

$150,000 Taxable 401(k) Assets vs. $254,000 Tax-Free Assets in the Tax-Free IUL.

During this 15 year look back, the Tax-Free IUL produced more than 4.5 times more after tax income than the 401(k).

Video shows how the tax-free IUL works. No Stock Market Losses, so no downside risk. Gains are locked in annually, so you never give back profits already earned.   Share in market upside up to a 14% cap.  Current IUL caps are 13% to 16% depending on the index chosen.

So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.

  • If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
  • If you are rolling over money in CDs because you fear stock market losses, with this tax- free retirement strategy, you don’t lose money when the markets go down.
  • If you have not put enough money away for retirement and need a catch up strategy, this strategy could work for you.
  • When you recognize the tax-free retirement plan can generate 3 to 4 times more income after taxes than a 401(k) or 403(b) retirement plan, you’ll want to replace your retirement plan with the tax-free retirement plan.
  • If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
  • If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
  • If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.