IUL vs. 401(K)/Roth IRA
Why the IUL is the most useful Tax-Free Retirement Plan
Guaranteed Growth, No Market Risk, Unlimited Contributions.
Discover Why IUL Dominates Traditional Plans.
With a Fully Taxable 401(K)
❌You pay taxes on growth: Whether you know it or not, you have to pay high taxes that are slowly draining your retirement savings.
❌Your money is not guaranteed or protected: The money in your 401(K) or IRA moves with the market and has very limited protection against losses.
❌Your money is not liquid: You can’t access your money whenever you want, and if you do, early withdrawals are penalized by up to 10%.
With Roth IRA:
✅You don’t have to pay taxes on the growth, but…
❌Your contributions are limited: Limited to $6,000 per year
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❌Growth and capital are not guaranteed: The money in your 401(K) isn’t guaranteed like most 401(K)s.
❌Your money is not liquid: You can’t access your money whenever you want, and if you do, early withdrawals are penalized by up to 10%.
Why IUL is the smartest Retirement Plan?
A Tax-Free account (IUL)
✅You never pay taxes on growth: This is 100% legal if your IUL account is set up to comply with the IRS tax code.
✅You can deposit as much as you want: With no contribution limits, every penny grows tax-free.
✅You never report income to the IRS, ever: The IRS doesn’t classify ‘income’ as ‘earnings’ within this type of account.
✅Your interest rate can be guaranteed: Your money grows at the same annual rate as when you opened your account, even if the market crashes.
✅Your money can be liquid: The growth and value of your account can be accessed in any amount at any time without penalty.
And there are many other wonderful tax-friendly options you can make with an account like this…
Do You Qualify for a Tax-Free Retirement Account (IUL)?
An IUL isn’t just available to the super-rich…
However, an account like this can only technically be set up if you or your family qualify for it.
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