Thank you for the opportunity to help you with your question! IF you have any clarification, please don't hesitate to ask and I will do my best to answer.
The most important aspect of
retirement planning to me is the emotional aspect – my retirement plan has to
give me a peace of mind. That is, I need to make sure that my retirement plan
will provide me sufficient funds to sustain the way of life I envision myself
to have in my retirement without the need to work myself to the bones for such
This aspect – the importance of
peace of mind – hasn’t changed over time; however, my specific plans on how to
achieve this peace of mind exactly have changed. For example, in the beginning,
I was very focused on putting majority of my retirement savings on a variable
universal life insurance with a pension option, but as a result of the very
high fees charged by the insurance company, I have decided to put the majority
of my savings into a stocks portfolio.
I have seen VUL with pension
options, balanced portfolio products sold by banks and insurance companies, and
of course, company pension funds.
Please let me know if you need any clarification. I'm always happy to answer your questions.
Sep 13th, 2015
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