Re: 再问B大师，关于VUL， - 未名空间MITBBS历史存档

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Re: 再问B大师，关于VUL，

Re: 再问B大师，关于VUL，# Money - 海外理财

b*b2005-08-18 07:08

1 楼

first point, "因为WRL管理MF，收charge似乎不是很说不过去", very wrong concept.
They don't manage your mutual fund at all. The money managers at fund company
(or advisor company) manage your funds and they charge around 1% fee for that.
The 1-3% fee they charge on top of that is absurd if not illegal. You still
have to make your own selection on your subaccounts (funds) that no one
responsible for the return, so you are the secondary manager of your funds.
VUL provides nothing but charging hidden fees on this pa

t*d2005-08-18 07:08

2 楼

I am not Mr. B, but I can answer some questions for you.
The key point for me not buying VUL is that I am not able to maximize the
profit from this product: $500k, I pay $700 insurance/year, I can invest max $
16000/year, min $3000/year. The problem is: I am NOT able to invest $16000, I
do not have so much spare money, especially after we buy a house. So it is
useless for me to figure out other details such as fees, etc.
Even if I am able to invest $16k now, it is not good for me because it is n

b*b2005-08-18 07:08

3 楼

多
MF tax is quite complicated, which I illustrated in more detail in a post on
investment board. But in general, if you select tax-efficient funds such as
index funds and willing to hold for long-time, it is essentially a tax-
deferred account. In general, if you hold a tax-efficient fund more than a
year, you will have 5% long-term capital gain now, or 15% after you get a full
time job (with higher income).
个
You can roughly calcuated based on my post. but the gap is too big and obvious
to jus