Whole Life Mass Mutual

Good Morning,

I have a general question as I’m very new to investing and looking towards my future. I am a military member and my wife works for US Bank. I have been putting 12 percent of each paycheck into the ROTH TSP LIFE CYCLE 2065 fund. I use ROBINHOOD and put 150 each paycheck into stocks that are currently DIS, NIO,SBUX,TTD,Digital Ocean,CokeCola,UPST, And vanguard high divended yield. Which is currently at apps 9k. I have only recently been putting more into Robinhood this year because of the motley fool. We have a nest egg in savings for possible emergency situations and we have an eleven year old which my intention is to give her my GI bill for school.

To make this long story longer when I was a young man more clueless I got into a mass mutual whole life policy that takes 100 dollars each month. I’ve had this policy for 7 years and it doesn’t seem to really be beneficial. I don’t know if I should cut ties with this investment and I am looking for suggestions or ideas should I keep putting into this policy or should I cut ties with this and put into something else?

I would appreciate any insight into this and thank you for taking the time to read this.


First off, thank you for your service.

Next going to assume you are a HODler (hanging on for dear life). Because I am looking at the current charts of all your ticker symbols and man you appear to be taking a pounding. A Swing Trader who trades via the charts could have protected your ASSets.

Whoever is telling you what to buy should be fired for not covering your SIX. Man, you are losing a ton of money.
Take UPST you should have been out on 10/15/2021.
KO is the best of the litter. But had a SELL signal on 1/21/22.
DIS should have been sold 11/08/21
DOCN should have sold on 11/19/21
NIO should have been sold 11/08/21
SBUX should have been sold 1/3/2022
TTD should have been sold 11/17/21

Okay, let’s take TTD. If I had owned TTD since the “V” I would have had till today 18 out of 18 successful trades with 0 losses.
KO 16 out of 16 successful trades with 0 losses either by compounding at each trade or just buy 1000 shares at each trade.

I would dump the mass mutual whole life policy. The person who sold you the policy usually collects 5% commish at every payment you donate.


You did not give a ticker for your Vanguard high dividend yield so,

going to assume VHYAX


You say you have an Eleven-year-old. I have two (2) nieces who started in 6 grade that I have trained them as Swing Traders and now in the Eight grade are in the 6 digits range. They use Robinhood to make their trades during lunchtime under the supervision of their mother. Kids are easy to trade than adults who are stuck in their ways.

The market appears to be in a downward slide and everybody is screaming at the TMF’s in charge who are clueless.

If you can I would like to redirect your money and look at the following and donate monies to each stock in the pool of 25 stocks. If there are any announced changes you make the same changes.

https://www.youtube.com/watch?v=LcPxNO7_dxA&t=52s write down the 25 stocks in your notebook or create a spreadsheet.
My Dividend Portfolio on M1 ? https://m1.finance/9gGguPKhh this portfolio is the same as above but on autopilot and just put money into the project monthly. The dividends are then re-invested automatically.

I have the same amount of money in both portfolios.

https://www.m1finance.com/ they have Custodial Accounts for the children. Something to think about.

At the age of 32, the following young man is a millionaire. He dumps a lot of money in one of his favourite stock VTI. However, I would swing trade and make more money. This month he is losing a few dollars.


Let’s look at the other side of a 3 sided coin and be prepared if and when the market starts to crash.
The 6P’s apply.

                          • Proper Preparation Prevents Piss Poor Performance- - - - - - - - From the US Marine Officers Handbook.




Bbug, take your tyme in digesting the above information. We only scratched the surface.

Quillnpenn - a poor church mouse scratching for a living as a Swing Trader for over 45 years.
------------ Vision - Multi-Millionaire…Goal - earn 1.3% - 2.5% compounded Daily

“Buying from the Scared, Selling to the Greedy”
“in tribute to all who seek to record their ideas and share them with others”

ps. re: 2%, I am on line 91 as of today 1/21/22. Achieved my Vision with AAPL, MSFT, and SPXL via Simon Sez. 2/2006-2014, 12/2014-2022.
You are welcome to backtest at your leisure. Start with 50K down.

“SBUX should have been sold 1/3/2022.”


I don’t see any evidence in a chart for SBUX to make that claim.

Yes, the candle for SBUX on Jan 3 was a Doji, indicating a buyer-seller standoff. But the stock closed above trailing pair of MAs. Hence, Jan was a “yellow flag” warning day, not a “red flag” action day, as was 01/04, when the prices closed DOWN, and on HEAVIER THAN AVEAGE volume. That was the in-your-face signal that it had become time to GET OUT!

Therefore, the soonest an INVESTOR could have gotten out of SBUX --if he weren’t trailing a stop-- would have been at the open on 01/05, at a price of roughly 110. Doing so would have given back some money to the market. But it would have avoided the subsequent (-12%) further decline in SBUX’s price.

Lesson? Don’t jump into risky, low-quality stocks (DIS, KO, SBUX, etc.) without having a clearly-defined exit plan unless losing money is your goal.


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Hi, Bbug. First, I apologize for the delayed response. Second, thank you for your service to our country.

For your life insurance question, my first suggestion is to not think of it as an investment. I know the sales person promoted it as an investment, but their goal is to sell the products and secure the commissions, not grow your wealth. The purpose of life insurance is to provide financial security to your family in case you are unexpectedly no longer able to do so.

There are two discussion boards I want to point you towards. First, this is a board where you can discuss life insurance questions with your fellow Fools:


And the Military Fools board is a place where you can discuss personal finance issues that are common and shared by other military Fools:


Who also thinks you have a strange definition of a long story compared to some of the other posts he reads…

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