Originally Posted by
JamesBond
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".
Diversification is great, as long as the vehicles/investments you are in are actually good. The GVUL at best provides minimal tax savings, likely actually provides a tax penalty, and charges a 2.5% fee.
No thanks. I’m happy to take the imputed income savings and invest elsewhere.