Buy index funds, or reits.

Yes there are unscrupulous people in each profession, but saying a whole profession is unethical because a few of their members are is ridiculous.An optimized overfunded permanent life insurance policy give less commission to the insurance agent as he or she is tweaking it to give the best return to the owner by lowering all the fee, including his/her commission.The long term IRR of an optimized whole life insurance is in the 3-5% range; The long term IRR of an optimized Index Universal Life insurance is typically in the 5-8% range.Yes it is not excellent compared to some 10-20% IRR you can get with real estate, but you have to remember that it is also tax free (so a few percent more to compare apple to apple).

The dollar had an average inflation rate of 3.97% per year between 1971 and today, producing a cumulative price increase of 658.15%.This means that today's prices are 7.58 times as high as average prices since 1971, according to the Bureau of Labor Statistics consumer price index.

2) Is comparing Syndications with Index funds(Bogle way) an apple to apple comparison?

I would suggest looking into Cash Value whole life insurance policies or Indexed Universal Life policies and annuities. 

Real estate may do better, or not, but the risk is higher for various reasons: single asset type versus diversification, singular asset versus say an index, unpredictable costs, and presumably leverage.

I'm at loss of what to do so I'm not buying anything for now until the Class C house gets rented out and put my money into index funds and a 3.8% premium savings account. 

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Interest rates are 10% in this scenario, and there is also a theoretical index fund that will yield 10%.option 1) put down 20% aka $40k and avoid 10% interest rates for any portion of the $40koption 2) put down 10% aka $20k and put the other 20% in the 10% returns index fundMy question is, do both scenarios have the same outcome? 

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