Originally Posted by
OOfff
they’re popular because those people set them up as part of their own business/practice, so the optionality is built in. We don’t, and likely won’t, share similar optionality.
IIRC, they also have the flexibility to set a higher interest crediting rate where the business can absorb the difference in down years. It is actually a great plan if you draw a huge salary from a business you also own.