Originally Posted by
Planetrain
The lowest risk option, “fixed account” is one of 21 optional plans*. It pays a minimum of 1.5%.
The highest I saw was “MetLife Stock Index Portfolio” with a 10yr annualized return of 10.88% and “BlackRock Capital Appreciation Portfolio” with a 10yr annualized return of 11.84%.
*I might also point out in that a separate document, there are only 7 investment options. I’m not sure which options we really have.
I still wouldn't pay 2.25% up front on those numbers. Knowing the withdrawal fee structure will likely change before I take money out. Paying for potential tax savings is too much of a gamble for me and the portability means the responsibility for premiums becomes mine. I'm not saying I won't participate in the insurance but defenately not the "investment."