Market Volatility: Best IUL for Retirement vs. 401(k) Market fluctuations can significantly impact 401(k) performance, especially for individuals nearing retirement. A downturn in the stock market can drastically reduce savings at the worst possible time. In contrast, the best IUL for retirement provides protection from market crashes by guaranteeing a minimum return, often 0–1%. Thi... https://www.federalpensionadvisors.com/post/iul-vs-401k