Lifetime Tax-Free Income
In Roth IRA’s, which are also tax-free, there are government restrictions that prevent people from adding more than $6,500 per year ($7,500 if over 50), which keeps you from building a large nest egg for retirement. Also, there are limits in how much you can earn in order to have access to tax-free growth. Lastly, there are limits to when you access your money (59 ½ years old), or if you do access it, there are penalties and fees involved. The Roth IUL has none of those limitations.
Interest Rate Floor
When interest rates drop, people lose money in a 401K because the value of your money follows the market into “negative rates”. The Roth IUL has a FLOOR, meaning in market downturns it cannot go below ZERO, which protects your account value from market volatility.
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