Originally Posted by
shadyatbest
Seems like the biggest downside of the investment option is that there’s a 2.5% load up front. But wouldn’t your tax free withdrawls (up to the cost basis) more than make up for this and make it better than a taxable brokerage account? Full disclosure, I’m not great at Math.
worded another way, wouldn’t this be better than investing the same chunk of money in a normal taxable brokerage account?
Don't view it as an all or nothing vehicle. Diversify, diversify, diversify. Some in taxable, some in tax sheltered even of those earn a little less is a good thing. The hard part of the question to answer is how much the government is going to steal from you when you are "retired".