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Subject:  Re: Distributions of S&P500 returns Date:  4/2/2013  12:09 PM
Author:  Rayvt Number:  71660 of 81362

Here is a graph that shows all the rolling 12-month returns, both IUL-type capped and raw uncapped.
However, the graph caps the raw gains at +/- 25% to keep the scale viewable.

This visibly shows how returns & losses tend to cluster.
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