Index funds vs indexed Universal life insurance policy which one is better (IUL) ignores the existence of dividends which do you prefer

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I will see what others say but I think one gives you a very diversified low cost portfolio and the other is a way for someone to get a big commission from you. There is no real comparison between the two. If you want insurance, buy inexpensive term insurance. If you want to invest, index funds are a great option. If you want both get those 2. So not combine insurance and investing

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You can create a legacy by using term life for insurance and taking the money you save on the premium and investing in a diversified portfolio

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- Index funds match the market. There are tax advantages accounts you can use and you have control, and get full upside and downside associated
- IUL is stable but has expensive hidden fees and has caps to upside vs the market. You’re not capturing full upside, but a no-growth year could be negative with fees
- Take a hard look at why you prefer dividends, especially if you’re young. They’re not necessarily better than investment growth.

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