Most Americans with money in the market are only earning about 3.49%, according to DALBAR.
Why?
Because when the market drops 20-25%, many panic, sell low, and buy back high, missing out on the potential for better returns.
Even if their accounts could have averaged 9%, they’re often netting far less, and after taxes, their returns can drop even more.
In contrast, a max-funded IUL can generate more, typically outperforming these traditional accounts.
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