rick++ wrote:
- quote -

The best part of the VA you missed is that all gains are then taxed at
ordinary rates upon withdrawal. So even after the years of "only" .25%
overhead, you get to support uncle sam on the back end.
JOE

I was noticing the similiarities of a Roth 401K to a VA.
Are these items accurate:

Both are funded with post-tax dollars; earnings are deferred.
Both have have 10% tax penalty if withdrawals before five years.
A Roth has no mandatory age withdrawal. A VA matures at some
future contract date which can be age 90 (or later?).
Roth contributions have an AGI limitation and ceiling amount.
A VA has no AGI limitation or ceiling amount.
A VA has an insurance wrapper overhead of at least 0.25%.
It may have early withdrawal penalties beyond the federal one,
but some dont.
A Roth can be inherited wihout paying immediate taxes.
The gains in a VA are taxes when inherited.
The insurance part of a VA can be structured for additional
benefits such guaranteeing principal, death benefit etc,
but that may increase the insurance amount.