Diversification Strategy: Best IUL for Retirement vs. 401(k) The best IUL for retirement works well as part of a diversified financial plan. While a 401(k) is a solid foundation for retirement savings, it relies heavily on stock market performance. An IUL provides an alternative asset that is not directly exposed to stock market risks, offering a hedge against volatility. Many financ... https://www.federalpensionadvisors.com/post/iul-vs-401k