BetterWealth with Caleb Guilliams
How To Get Maximum Returns In Retirement Using Life Insurance | Todd Langford
Jul 5, 2024
Financial expert Todd Langford discusses maximizing retirement returns using life insurance as a bond alternative. They explore the impact of actual vs average returns, diversification in retirement planning, the effect of taxes and fees, and the benefits of incorporating whole life insurance for consistent returns and tax advantages.
47:50
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Quick takeaways
- Dollar cost averaging in accumulation phase benefits from market downturns, but actual returns in distribution phase are crucial for portfolio impact.
- Factoring taxes and fees in investments can significantly reduce returns, emphasizing the need for thorough analysis during the distribution phase.
Deep dives
Understanding Dollar Cost Averaging and Ripples on Your Portfolio
Dollar cost averaging in the accumulation phase allows for benefits even when the market is down. However, the impact of average versus actual returns becomes more significant during the distribution phase, indicating the importance of considering ripples on your portfolio.
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