Why You Dont Want to Buy Term and Invest the Difference
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A L Williams popularized the concept of \\u201cBuy Term and Invest the Difference\\u201d in the 1970\\u2019s. When market returns are looking good this concept seems to make a come-back even though it\\u2019s flawed with big assumptions.
They say you won\\u2019t need a death benefit when term insurance gets expensive. They say your investments will do better than whole life insurance. Maybe, and maybe not.
You want guarantees? Then you want to build a strong financial foundation with guarantees before you invest. Investing isn\\u2019t bad, but don\\u2019t throw away guarantees for speculative possibilities.
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Resources:
Buy Term and Invest the Difference? - Video Example with ROR
How to Build a Secure Financial Foundation - Video with Ben McFie and a Donut Stack
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