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Subject:  Re: 7702 Private Plans (indexed universal life) Date:  3/31/2013  7:38 PM
Author:  Dwdonhoff Number:  71608 of 78166

Hey Ray,

There is no significant difference in statistical outcomes between annual (rolling 12-month periods) and monthly -- as long as everything is de-annualized properly.
What does 'de-annualized' mean? How do you do that?

IIRC, we already have determined that IULs use point-to-point annual periods on the policy anniversary date. That means that person A goes Jan-Jan and person B goes Feb-Feb. So every month is an anniversary. So to do it accurately we have to compute rolling 12-month periods.
Some do, and that's what I had assumed we were going to use to compare.

And it's much easier to generate the data and charts using monthly figures (properly de-annualized)