国内双控专业出国读什么专业最好？# EE - 电子工程
s*d
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I see that people have been discussing VUL and what not, and this is the
question I have.
Suppose that we don't worry about all the hidden costs (significant, I agree
) of VUL, and it is considered just as a tax-deferred investement. And let's
assume that we are not talking about tax-free death benefit, but in general
, we wish to make some withdraw on the investment and that the withdraw is
taxed at the income tax level. Is this type of investment necessarily better
than an index fund that has a minimal turnover rate, and has returns
consist of (roughly) 2% dividends + 6% capital gains annually?
It seems to me that, while I will be paying income tax on the 2% dividends +
minimal short term capital gains (holding the index fund in taxable account
), the 6% growth is effectively "tax-deferred" and, at withdraw, it is taxed
at 15% long-term capital rate, lower than the income level. That shouldn't
be a whole lot worse than the tax-deferred investment that are taxed at a
higher bracket, no?
I'd like to hear what people's thoughts on this.
question I have.
Suppose that we don't worry about all the hidden costs (significant, I agree
) of VUL, and it is considered just as a tax-deferred investement. And let's
assume that we are not talking about tax-free death benefit, but in general
, we wish to make some withdraw on the investment and that the withdraw is
taxed at the income tax level. Is this type of investment necessarily better
than an index fund that has a minimal turnover rate, and has returns
consist of (roughly) 2% dividends + 6% capital gains annually?
It seems to me that, while I will be paying income tax on the 2% dividends +
minimal short term capital gains (holding the index fund in taxable account
), the 6% growth is effectively "tax-deferred" and, at withdraw, it is taxed
at 15% long-term capital rate, lower than the income level. That shouldn't
be a whole lot worse than the tax-deferred investment that are taxed at a
higher bracket, no?
I'd like to hear what people's thoughts on this.
