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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 12month 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 buyandhold of VFINX is always solidly ahead of the IUL floored/capped strategy. The worst 12month loss was 30%. The best 12month 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 12month returns.
========================== So that's the data and the analysis I have for the way IUL interacts with the 