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@clewis It will underperform because fixed income and guaranteed rates always underperform major index over time. I would rather grow my dollars more In the index than with a guaranteed rate.

@clewis Right so all your retirement assets are in fixed rate guarantees? We all know the answer. Also, I am not against cash value life insurance, I would rather invest my dollars inside of a policy into the snp, not an underperforming fixed rate.

@clewis Right and subtract the policy fees and then the inflation rate and the money is barely growing. I’ll take the snp 500 returns all day. Do you invest your retirement in a guaranteed rate, and if you did would you run the chance of not growing your assets enough?

@clewis Ehh I would rather invest in the snp than a fixed interest rate. How do you invest your retirement assets? Would you take a guaranteed 4 or 5% every year or roll the dice with index investing. That’s at least how I look at it.

@brojames The fact that your asking if you should pull money out of the best wealth creating tool on earth, S&P 500, to put it into a savings account means you need to do some additional research. If your not using this money soon then you leave it. If you are using it soon, well it shouldn’t...