How To Get Maximum Returns In Retirement Using Life Insurance | Todd Langford
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- Опубліковано 2 лип 2024
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In this episode of the Truth Concepts series with Todd Langford, we're comparing the average vs actual returns in retirement and how life insurance can boost your actual retirement return and act as a bond alternative.
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*This video is for entertainment purposes only and is not financial or legal advice.
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We already have four more videos recorded with Todd and are in editing now, so make sure to hit the bell notification to watch them when they are released! We have a lot of exciting stuff planned :)
Really insightful and educational! Thank you Betterwealth for providing such solid education for free.
@@NongovKelvin You’re welcome! So glad this was helpful!
It's very flawed information
Nothing short of a Master Class!!! My heartfelt thanks.
You're very welcome! Thanks for watching!
The bond portion in your portfolio is for stability. By adding bonds during accumulation, you are losing on growth.
But its excellent for the stability during the spending phase. What I would have liked to see was for him to set bonds between 20 and 40% with starting principal at 32M and taking out 4% every year and see what was left over.
I appreciate these discussions
Very flawed and biased not real numbers
I love this series! Thank you Todd and Caleb for your expertise!
Great video! Aren't most people 100% in equities during the accumulation phase and start rebalancing to bonds when they retire?
The variable yielded 32M which makes the actual compounding rate over 40 years to be 11% instead of 12.62%.
A lot of what he's saying is very very flawed.He said taxes on s&p. There aren't any taxes unless sold. You can borrow against assets so no need to ever do it unless you don't have an emergency account. If its paying dividends, you only pay taxes on the dividends not the entire portfolio. Also if it's paying dividends there's really no need to ever cash out because the dividends can be lived off of for retirement. Even when the market is down the dividends will still be paid out. So one wouldn't need to access life insurance in that instance either. And he didnt factor in what the dividend pay out would be and the number if reinvested. Also fees are very small almost non existent this is 2024 no one is using mutual funds paying a manager. So the taxes and fees would be taken out of the equation. Also he used 60/40 which may be good for someone in retirement. But anyone from 18-60 is most likely doing 80/20. Replacing bonds with life insurance is a good idea.