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Registered
Join Date: Feb 2004
Location: Granite Bay, CA
Posts: 767
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Usually the teqnique would only work if you use a Low or No load policy. You probably won't find this offered through an advisor. Vanguard Instituional has one available. No upfront load, no surrendar charge. M/E is about .4% Fund expenses are about .4% so total expenses are can be fairly low.
Looks like your doing your homework, Keep it up.
PS.
We usually only see this teqnique used for special circumstances, and for wealthier individuals. Not for everyday use.
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