The Deferred Income Account
The most productive and viable account for investing and retirement.
In an apples-to apples comparison, a 42-year old male with $100k in a 401(k) in 1997 will have a $187,000 balance at the end of 2013. The same 42 year-old with $100k in a D.I.A. in 1997 will have a $266k balance at the end of 2013. Crucial Note: The $187,000 401k is completely taxable. The $266,000 D.I.A. is not taxable, nor is this income claimed on any tax form.