Recent content by Sizzles

: You didn't say if a lump sum is available to you two. If it is that would be the best option. If you are both healthy than a 30 year term is available at your ages and it becomes a simple matter to determine if it is a viable alternative. Compare the term premium vs the amount of reduced 10%...

My view is that it's a very different skill set to build a portfolio for 60 years with income then it is to live on it for 30 years with very little income. 1% should not be a line in the sand for a fee measurement. Bonds should be purchase directly. Fees there amortized over the life of a bond...