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URL:  http://boards.fool.com/so-anyway-here-are-the-stats-for-vfinx-30610392.aspx

Subject:  Re: 7702 Private Plans (indexed universal life) Date:  3/27/2013  11:43 PM
Author:  Rayvt Number:  71521 of 78166

So, anyway, here are the stats for VFINX (S&P500 index) for rolling 12-month periods, 1987 to present.
The equity curves chart is here: http://i1131.photobucket.com/albums/m543/rayvt/Equitycurves1...
We were unfortunate enough to start just in time to catch the Black Monday (Oct 1987) crash. But after that, the plain old boring buy-and-hold of VFINX is always solidly ahead of the IUL floored/capped strategy.

The worst 12-month loss was -30%. The best 12-month gain was 46%. The IUL method has a 0% floor (so you are protected from losses) and 12% cap on the returns.
22% of the periods had a loss. 35% of the periods had a gain of more than 12%.
Final values for a $10,000 initial investment: VFINX (incl dividends): $79,908. Floored/capped IUL method: $32,870

Here's the distribution of the rolling 12-month returns.

Gain Cnt Pct Cum pct
-30% 2 0.9% 0.9%
-25% 11 4.9% 5.8%
-20% 6 2.7% 8.4%
-15% 7 3.1% 11.5%
-12% 5 2.2% 13.7%
-10% 1 0.4% 14.2%
-9% 1 0.4% 14.6%
-8% 3 1.3% 15.9%
-7% 1 0.4% 16.4%
-6% 0 0.0% 16.4%
-5% 0 0.0% 16.4%
-4% 2 0.9% 17.3%
-3% 3 1.3% 18.6%
-2% 2 0.9% 19.5%
-1% 2 0.9% 20.4%
0% 4 1.8% 22.1%
1% 3 1.3% 23.5%
2% 4 1.8% 25.2%
3% 2 0.9% 26.1%
4% 7 3.1% 29.2%
5% 7 3.1% 32.3%
6% 13 5.8% 38.1%
7% 10 4.4% 42.5%
8% 11 4.9% 47.3%
9% 10 4.4% 51.8%
10% 7 3.1% 54.9%
11% 6 2.7% 57.5%
12% 16 7.1% 64.6%
15% 25 11.1% 75.7%
20% 25 11.1% 86.7%
25% 16 7.1% 93.8%
30% 10 4.4% 98.2%
35% 2 0.9% 99.1%
40% 2 0.9% 100.0%
46% 100.0%
Total 226

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So that's the data and the analysis I have for the way IUL interacts with the