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401k vs Roth IRA vs IUL
Illustrate long-term accumulation and retirement income โ three vehicles, one honest comparison
Client Profile
Applied equally to both scenarios for fair comparison
401k Parameters
% of employee contribution
Or enter 0 for no cap
Used to calculate match cap
What a perfect index investor gets โ most people get significantly less
DALBAR 2024: avg 401k participant ~4.9%/yr vs market 10%+. Target-date fund investors ~6โ7%. Set higher only for disciplined index-fund investors.
Gap between S&P best-case and client's assumed return โ subtracted from every year including crashes
IUL Parameters
Max annual credit (typical 10โ12%)
Minimum credit in down year
How IUL crediting works in this simulation:
Each year's actual S&P 500 return is capped at the Index Cap and floored at the Floor rate.
No flat average is applied โ real historical returns drive the results year by year.
Each year's actual S&P 500 return is capped at the Index Cap and floored at the Floor rate.
No flat average is applied โ real historical returns drive the results year by year.
0% = wash loan (most IUL policies). Net cost after credited interest.
Roth IRA Parameters
DALBAR 2024: avg equity investor earned ~6.8%/yr over 30 yrs vs S&P's ~11%+ โ due to fund selection, panic selling, and inaction
Avg actively managed fund: ~1.0%. Index fund (VOO): ~0.03%. Most self-directed investors are not in index funds.
2025 Contribution Limits:
Under age 50: $7,000/yr | Age 50+: $8,000/yr
Income phase-out: $146kโ$161k (single) ยท $230kโ$240k (married)
Under age 50: $7,000/yr | Age 50+: $8,000/yr
Income phase-out: $146kโ$161k (single) ยท $230kโ$240k (married)
The honest picture: Only ~13% of self-directed retirement accounts hold index funds. Most hold actively managed funds, target-date funds with bond allocations, or sit partially in money market. Adjust the return above to match the client's realistic expectation.
Annual Fees โ Side by Side
Fees compound silently โ the 401k fee grows as the balance grows; the IUL COI shrinks as cash value builds toward the face amount
401k Fees
Fund expense ratio + admin/recordkeeping + advisory fees
S&P 500 avg minus your fee โ applied year-by-year
Common breakdown:
Fund expense ratio: 0.05โ1.00%
Admin/recordkeeping: 0.20โ0.50%
Advisory/advisor fee: 0.25โ1.00%
Typical all-in: 0.50โ1.50%/yr
Fund expense ratio: 0.05โ1.00%
Admin/recordkeeping: 0.20โ0.50%
Advisory/advisor fee: 0.25โ1.00%
Typical all-in: 0.50โ1.50%/yr
Roth IRA Fees
Reality check:
Index fund (VOO): ~0.03%
Avg actively managed fund: ~1.0%
Most self-directed investors: ~1.0%+ in mixed/managed funds
Index fund (VOO): ~0.03%
Avg actively managed fund: ~1.0%
Most self-directed investors: ~1.0%+ in mixed/managed funds
The real tradeoffs:
$7,000/yr hard contribution ceiling
No death benefit. No floor protection.
Returns depend on fund selection & behavior.
$7,000/yr hard contribution ceiling
No death benefit. No floor protection.
Returns depend on fund selection & behavior.
IUL Fees (COI + Expenses)
Typical rates by age โ age 30โ35: 0.08โ0.15% ยท age 40โ45: 0.15โ0.35% ยท age 50โ55: 0.40โ0.80% ยท age 60+: 1.0โ1.8%
COI is applied only to the gap between face amount and current cash value โ that gap shrinks every year
COI crossover advantage:
Year 1 (age 35, $500k face, $0 cash): ~$750/yr COI at 0.15%
Year 20 ($350k cash value): $150k NAR ร 0.15% = ~$225/yr
As cash value grows โ COI shrinks โ $0 at maturity
No contribution ceiling. Death benefit included.
Year 1 (age 35, $500k face, $0 cash): ~$750/yr COI at 0.15%
Year 20 ($350k cash value): $150k NAR ร 0.15% = ~$225/yr
As cash value grows โ COI shrinks โ $0 at maturity
No contribution ceiling. Death benefit included.
Year-by-Year Spendable Value โ Historical Market Returns
401k = after-tax spendable | Roth IRA = full S&P return, tax-free (orange) | IUL = cash value, tax-free (green) | Gold โ = IUL floor protection yearAnnual Return: S&P 500 vs IUL Credited Rate
Blue = S&P 500 raw return | Red = down year | Green = IUL credited after cap & floor | Shows exactly where the cap limits gains and floor prevents lossesAnnual Fee Cost: 401k vs Roth vs IUL โ The Real Cost of Each Vehicle
401k management fee (red) grows as the balance grows | Roth IRA fee (orange) stays near $0 | IUL COI (green) declines as cash value approaches face amount โ eventually $0Retirement Income Comparison
The Set-It-and-Forget-It Reality Check
What actually happens when someone who doesn't actively manage their money puts the same dollars into each vehicleIUL Living Benefits โ The Value No Account Balance Can Show
Benefits available while the client is alive โ completely absent from 401k and Roth IRAS&P 500 Historical Loss Years (2004โ2023)
Actual down years and their dollar impact on your 401k vs IUL with 0% floor401k Recovery Time After Market Crashes
How many years does the 401k spend rebuilding instead of compounding? Red columns on the chart mark crash years.What If Tax Rates Rise? โ 401k vs Roth vs IUL Sensitivity
The 401k's spendable value shrinks with every point tax rates climb. The Roth IRA and IUL are both immune โ tax-free regardless of future rates.Sequence of Returns Risk โ The Retirement Killer
Same average returns, same withdrawal โ but a crash in year 1 of retirement permanently cripples the 401k and Roth IRA. The IUL's 0% floor absorbs the shock and keeps compounding.Required Minimum Distributions โ The Forced Tax Event
At 73 the IRS forces 401k withdrawals whether you need the money or not. Roth IRA and IUL have zero forced distributions โ access on your terms, never the government's.At Retirement: Keep in 401k vs. Roll to Fixed Index Annuity (FIA)
FIA: 0% floor, no cap, participation rate on S&P gains. No ongoing management fee.
Defaults to 401k after-tax balance from accumulation above
% of S&P gain credited to FIA. No cap. Floor = 0%.
Ongoing advisor/fund fee on remaining 401k balance
Retirement Balance Over Time
Remaining balance each year after withdrawals โ 401k (blue) vs FIA (orange)Settings
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