IUL vs . Roth IRA: Choosing Your Retirement

IUL vs . Roth IRA: Choosing Your Retirement

Choosing Between IUL and Roth IRA for Your Retirement
When it comes to planning for retirement it’s important to consider diversified options that provide a balance of pre tax and post tax funding . Indexed Universal Life (IUL) and Roth individual retirement accounts (IRAs) are two popular choices with unique features and advantages . In this article we will compare these options to help you make an informed decision .
Indexed Universal Life (IUL):
Indexed Universal Life insurance policies offer a combination of life insurance coverage and a retirement investment vehicle . These policies allocate any excess funds not used for insurance premiums into index funds such as the S&P 500 or Nikkei 225 providing diversification . Unlike traditional permanent life insurance the cash value of an IUL is tied to the performance of the underlying investments . There are caps and floors on the investments to limit returns and protect against market losses . IULs also offer tax benefits for withdrawals or loans against the investment .

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