Would You Rather Have $1 Million or Less than $100 Thousand?

Mutual funds are a perfect example of “just because everyone is doing it, doesn’t make it right.” In fact, they’re one of the worst environments for your retirement nest egg. Why? Their tax treatment.

For the most part, mutual funds are often taxed-as-earned, which means that as you experience dividends or capital gains, you owe taxes on that growth each and every year.


To make this clear, let’s look at $1 doubling 20 times. In a tax-free environment, that dollar will become $1,048,576. If, on the other hand that same dollar doubles 20 times in a taxed-as-earned environment (25% tax rate), that dollar will only grow to $72,570. Which would you rather have 20 years later—more than $1 million or less than $100,000?


The miracle of compound interest, one of three marvels of wealth accumulation, becomes almost completely negated when taxed after each earning period.

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.” Albert Einstein


Having your money at risk in the market is as old and outdated as “buy and hold.” When the pressure of economic storms come and the market experiences downward trends, you don’t want to have your financial future built on that slippery slope.

Don’t wait another day. Take the time now to learn how to put your money in financial vehicles that grow in tax-advantaged environments, such as max-funded, tax-advantaged insurance contracts. These contracts allow for tax-free income during retirement and upon your death, they can pass on your money income tax-free.

Products that provide guaranteed income for life or predictable income streams for short periods may also be exactly what you’re looking for.

Your next step? Discover a better way to a more abundant retirement. Attend one of our events, either online or in-person. Click here to see our upcoming events.

*Life insurance policies are not investments and, accordingly, should not be purchased as an investment.