. I wonder if you would consider the S&P 500 bought inside a 401k with matching. If there is a 50% match on the first 6%...In essense this is a negative load. This could be easily added to the spreadsheet, but WHY? I think the Mercy Rule (which I salways knew as the "slaughter rule" -- but who am I to dispute google?) would come into play.Anyway, you could approximate the effect by making 2 runs in the spreadsheet. 1st run with normal deposits and look at the IUL results, then another run with higher deposit and look at the B&H results....you could put $1200 in the 401k, get $600 in matching and still have $600 to put in an investment account. The effect of a "reserve account" can be modeled by changing the asset allocation fields of the spreadsheet.but you would have assets for those sudden changes in life that Dave is concerned about. The reason I'm asking is Dave has said the IUL will outperform even a 401k with matching.If you haven't noticed, Dave says that the answer is an IUL, whatever your question is. ;-)
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