大家对投资型保险如IUL有啥看法?# Money - 海外理财
X*N
1 楼
自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
问大家怎么看？这是一种好的投资方式吗？
了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
问大家怎么看？这是一种好的投资方式吗？
f*n
2 楼
5 Reasons Not To Buy Indexed Universal Life Insurance
Indexed universal life insurance (IUL) is an insurance product that seems to
promise you can have your cake and eat it, too. Unfortunately, as with most
things in life, there are no free lunches. The devil is in the details, and
when you really examine them, it becomes clear that these are products
designed to be sold, not bought.
You simply don’t get anywhere near the market returns due to the costs of
the insurance, the additional fees, the loss of the dividends, the cap rates
, and the participation rates. These products don’t pass the common sense
test. How can an insurance company give you most of the upside of
investing in stocks while eliminating the downside? They don’t have any
magic investments; they have to invest like anybody else. In addition, they
have to generate enough money for profits and to pay hefty commissions to
their sales force. These policies are likely to provide a return very
similar to that of whole life insurance (with the possibility of much worse
performance), which is easily seen to be in the 2% to 5% range long term for
a policy bought today and held for life. While it may have the word “index
” in its title, an IUL has much in common with whole life insurance and
almost nothing in common with a high-quality index mutual fund. - See more
at: http://www
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
Indexed universal life insurance (IUL) is an insurance product that seems to
promise you can have your cake and eat it, too. Unfortunately, as with most
things in life, there are no free lunches. The devil is in the details, and
when you really examine them, it becomes clear that these are products
designed to be sold, not bought.
You simply don’t get anywhere near the market returns due to the costs of
the insurance, the additional fees, the loss of the dividends, the cap rates
, and the participation rates. These products don’t pass the common sense
test. How can an insurance company give you most of the upside of
investing in stocks while eliminating the downside? They don’t have any
magic investments; they have to invest like anybody else. In addition, they
have to generate enough money for profits and to pay hefty commissions to
their sales force. These policies are likely to provide a return very
similar to that of whole life insurance (with the possibility of much worse
performance), which is easily seen to be in the 2% to 5% range long term for
a policy bought today and held for life. While it may have the word “index
” in its title, an IUL has much in common with whole life insurance and
almost nothing in common with a high-quality index mutual fund. - See more
at: http://www
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
f*n
3 楼
推荐给你的人估计是臭名昭著的传销组织world financial group
World Financial Group (WFG) is a multi-level marketing company based in
Johns Creek, Georgia, a suburb of Atlanta, which sells investment, insurance
, and various other financial products through a network of distributors in
the United States, Canada, and Puerto Rico.[1][2] It is wholly owned by
Transamerica, a subsidiary of Aegon
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
World Financial Group (WFG) is a multi-level marketing company based in
Johns Creek, Georgia, a suburb of Atlanta, which sells investment, insurance
, and various other financial products through a network of distributors in
the United States, Canada, and Puerto Rico.[1][2] It is wholly owned by
Transamerica, a subsidiary of Aegon
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
o*c
4 楼
给富人用的。一般在401k和ira夫妻都放满以后，除去开销房贷，每年还有几万闲钱的
可以考虑
不然投资是投资，保险是保险，两者兼顾，两头都占不上。
可以考虑
不然投资是投资，保险是保险，两者兼顾，两头都占不上。
m*a
5 楼
富人避税藏钱的工具, 特别是遗产税
你如果不是非常非常有钱就别想了
保险费都要吃死你
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
你如果不是非常非常有钱就别想了
保险费都要吃死你
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
b*c
6 楼
有小孩买人寿保险没错，但中产阶级买term life insurance 就好了，保险和投资别混
一起。
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
一起。
【在 X***N 的大作中提到】
: 自己投资/炒股水平太差希望找好的投资方式，另外有小孩希望买人寿保险。有人推荐
: 了投资型保险IUL,每年0%-12%（取决于股市performance),当然还有额外保险费用.想问
: 问大家怎么看？这是一种好的投资方式吗？
X*N
7 楼
那大家还有什么投资方式可以推荐的吗？
相关阅读
看来Chase是撸不动了被沃尔玛反撸了citi dividend 要换成mc了黄金空仓大规模下降，九月黄金要涨？Amex Offer Credits Getting Clawed Back 影响其他OFFER吗我的万豪账户的点数都消失了医院不收AMEX，达不到开卡消费，求建议Amex MR offer 和非MR offer万豪和SPG合并后叫啥名字？万豪还是SPG?tjmaxx gift card跟国家队没错，55家基金半年净赚114亿Walmart GC需要激活?网贷利好，十天后启动自律检查Citi AA 年费到期无法waive请教：没有SSN申请的信用卡，Chase让提供TINMarriott 7天券 看不到了Citi checking bonusSaving 哪家最近开户有bonus?spg business card如何整治套路贷