Most people who
accumulate large amounts of money pay close attention to the calculations.
With an exchange rate in excess of $ 1,000 USD the account quickly
accumulated a large amount of money, well in excess of the Bitcoiner's expectations.
Second, switching allocations between stocks and TIPS at a 2 % interest rate makes sense when you have already
accumulated a large amount of money.
Not exact matches
For example, if you make a
large purchase to
accumulate miles but only make a small payment each month on your credit card bill you are spending extra
money each month on interest which means you are technically paying more
money to receive the same
amount of miles.
The point being that, given the benefits
of compounding interest, the
amount of money you could earn and
accumulate for retirement is far
larger investing in the stock market versus a whole life policy.
It seems to me that the only folks who are going to benefit financially from here on in are brokers / owners who can convince registrants to work for them for potentially less and less; a
larger portion
of the finite
amount of available
money will
accumulate with fewer people (brokers / owners).