Author Topic: Mutual Fund or VUL?  (Read 116378 times)

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camron

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Re: Mutual Fund or VUL?
« Reply #450 on: Sep 14, 2017, 04:52 PM »
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Wow!  I just came across this thread and find it interesting yung mga opinions ng contirbutors on this thread.  Some a few years back and were very against VULs...I wonder if its still the same sentiment now?  As an insurance agent myself, I'm interested to know what's their current opinion about VULs

PwedePadala

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Re: Mutual Fund or VUL?
« Reply #451 on: Oct 04, 2017, 12:12 PM »
Separate the life insurance and the investment. Instead of MF, I prefer ETF which is easier to liquidate like a stock but with lower management expense ratio than mutual funds.
OFW blogger: Save. Give. Invest. Memories not materials.

mbp-mrp

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Re: Mutual Fund or VUL?
« Reply #452 on: Oct 13, 2017, 05:16 PM »
keeping the thread alive... to share my scenario... I got a VUL (premium paid for 5 years) and an MF (just a month ago). Both have different purpose: VUL (life and investment), MF (investment). Since tapos na ako magbayad ng VUL, I will let it grow until  I need it. For MF, since working pa ako, I will keep saving and let it grow.

Atongzki

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Re: Mutual Fund or VUL?
« Reply #453 on: Oct 16, 2017, 11:20 AM »
Hi Guys! Financial Advisor here.Any queries for additional information regarding VULs you can ask me. Life Insurance is a NEED this days, why? Because we know "We will die", "We might get involved in an accident" and "We might get infected with a critical illness". It is just the question WHEN it will happen and are we ready for it? Ask yourself, acknowledge and let's act on it.

wilch23

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Re: Mutual Fund or VUL?
« Reply #454 on: Oct 16, 2017, 08:34 PM »
That is correct, pero pleeaseee, don't present it as an "investsment' kuno ...

Alfalfameister

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Re: Mutual Fund or VUL?
« Reply #455 on: Oct 18, 2017, 07:39 PM »
I'm with wilch23 and a few others: I'm just not sold on insurance with investment feature. I prefer to keep my investments as investments, and my insurance as insurance (so I only get term).

I will recommend VULs to those who do not have the discipline to invest on, say, a monthly basis. Because with VULs, "forced to good ka na".

Mathematically, it makes more financial sense to invest in mutual funds, and keep the insurance separate. But, as someone said, success in personal finance and investing is more behavioral than mathematical. So, if you don't have the discipline and the habit (the behavior) to keep investing, then VULs might be better for you (i.e., better than nothing). Just know that, well, in my opinion, it is the inferior way to go about growing your money.

 


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