--- title: "BSMG ONE Idea: Why \"Buy Term and Invest the Difference\" No Longer Holds Up" description: "Discover why the \"buy term and invest the difference\" strategy often fails and how an integrated approach with permanent life insurance can ensure a more secure retirement." image: https://life-annuity-blog.specialtyprogramgroup.com/hubfs/Buy%20-%20Invest.png --- [info@bsmg.net](mailto:info@bsmg.net) [(800) 343-7772](tel:800.343.7772) [![Unified | HubSpot COS Framework](https://life-annuity-blog.specialtyprogramgroup.com/hs-fs/hubfs/logo-1.png?width=359&name=logo-1.png "Unified | HubSpot COS Framework")](http://www.bsmg.net) - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 # BSMG Blog: Protecting the Future of Families and Businesses - Blog # BSMG ONE Idea: Why "Buy Term and Invest the Difference" No Longer Holds Up Posted by [BSMG](https://life-annuity-blog.specialtyprogramgroup.com/author/bsmg) on   Advisors and clients continue to advocate for "buy term and invest the difference" or BTID. It can look great on a spreadsheet. In real life, it's a much different story! [![Buy - Invest](https://life-annuity-blog.specialtyprogramgroup.com/hs-fs/hubfs/Buy%20-%20Invest.png?width=833&height=469&name=Buy%20-%20Invest.png)](https://web.bsmg.net/one-idea-library) In his latest ONE Idea, Gonzalo Garcia, CLU, "unpacks" the findings from the EY/Finseca holistic retirement planning study. He details why BTID so often fails actual clients and how an integrated approach that includes permanent life insurance and annuities can: - Deliver more reliable retirement income; - Reduce exposure to sequence-of-returns risk; - Improve both tax efficiency and legacy outcomes; and - More. [*Read Gonzalo's Full ONE Idea HERE!*](https://life-annuity-blog.specialtyprogramgroup.com/one-ideas/why-buy-term-and-invest-the-different-no-longer-holds-up)   --- [![Your paragraph text (12)](https://life-annuity-blog.specialtyprogramgroup.com/hs-fs/hubfs/Your%20paragraph%20text%20(12).png?width=833&height=278&name=Your%20paragraph%20text%20(12).png)](https://web.bsmg.net/one-idea-library) Topics: [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Retirement Planning Strategies](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) [![Share on Facebook](https://life-annuity-blog.specialtyprogramgroup.com/hubfs/2016_Social_Sharing_Images/share-facebook-red.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=BSMG%20ONE%20Idea%3A%20Why%20%22Buy%20Term%20and%20Invest%20the%20Difference%22%20No%20Longer%20Holds%20Up) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Flife-annuity-blog.specialtyprogramgroup.com%2Fbsmg-one-idea-why-buy-term-and-invest-the-different-no-longer-holds-up%3Futm_medium%3Dsocial%26utm_source%3Demail) ### Posts by Topic - [Life Insurance (21)](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance) - [Insurance Industry News (15)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) - [Fiduciary (8)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary) - [Advisor Marketing Tips (6)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips) - [Annuities (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuities) - [Communication Tips for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors) - [Retirement (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement) - [Sales & Prospecting Tools for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors) - [Advanced Markets (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-markets) - [Insurance Products & Solutions (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-products-solutions) - [Insurance for Small Business Owners (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-for-small-business-owners) - [Long Term Care (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/long-term-care) - [Retirement Planning Strategies (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) - [Risk Differentiation Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/risk-differentiation-underwriting) - [Tax Season (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-season) - [Term Life Insurance (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/term-life-insurance) - [Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/underwriting) - [Annuity (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuity) - [Estate Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/estate-planning) - [LTC (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ltc) - [RMD (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/rmd) - [Retirement Income (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-income) - [Retirement Reform (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-reform) - [Tax Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-planning) - [Advanced Sales (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-sales) - [Best Interest Standard (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/best-interest-standard) - [Business Succession (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/business-succession) - [Buy Sell Agreement (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/buy-sell-agreement) - [Financial Advisor Tools (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/financial-advisor-tools) - [Fixed Index Annuities (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fixed-index-annuities) - [ILITs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ilits) - [IRAs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/iras) - [Linked Benefits (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/linked-benefits) - [NAIC (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/naic) - [Policy Review (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/policy-review) - [Required Minimum Distributions (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/required-minimum-distributions) see all - [500 South Main Street](https://g.page/BSMGInsurance?gm) - [Providence, RI 02903](https://g.page/BSMGInsurance?gm) - [(401) 751-9400](tel:401.751.9400) - [(800) 343-7772](tel:800.343.7772) - Fax: [(781) 237-8585](tel:781.237.8585) - [info@bsmg.net](mailto:info@bsmg.net) ### Recent Blog Posts ### Quick Links - > Quotes - > Annuity rates - > Case Studies - > Forms - > Get contracted © 2021 Brokers’ Service Marketing Group. All Rights Reserved. Securities offered through The Leaders Group, Inc. member [FINRA/SIPC](http://brokercheck.finra.org/) 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 (303) 797-9080