Investing

Why Whole Life Insurance Is Not an Investment

The Hidden Reserve

Published on: 10/23/2025

A question that comes up often is whether whole life insurance is a good investment. The short answer is no. It is a terrible investment because it is not one. Whole life insurance is not designed to perform like the stock market, real estate, or crypto. It is an entirely different tool built for a different purpose.

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The Truth About Investment Returns Wall Street Won’t Tell You

The Hidden Reserve

Published on: 10/16/2025

One of the most common smoke screens in the financial world is the difference between average returns and actual returns. You’ve heard it before: “This investment averages 10%” or “Our fund averages 12%.” On paper, that sounds promising. In practice, it means very little.

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