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URL:  http://boards.fool.com/more-response-on-rays-post-2-quotbuy-amp-30620605.aspx

Subject:  Re: Strategy comparison S&P500 vs. IUL Date:  4/3/2013  4:08 PM
Author:  Dwdonhoff Number:  71681 of 80991

More response on Ray's post;

2) "buy & hold" -- I don't do buy & hold. Of *anything*. Every investment strategy I use is subject to some form of a market-timing overlay/gate for shifting my equity allocation to short-term or intermediate term bonds/T-bills. It's not perfect, and it's not ultra-technical, or genius-level, or requires a massive or superhuman effort as CC likes to taunt. It just moves to cash when the general market is in a downtrend, and back to equities when in an uptrend. It takes approximately 2 minutes once a month. Maybe 4 minutes if you have to boot up your computer first.
3) "S&P" -- I don't actually invest in the S&P500. I invest in various ETFs and individual stocks. But still, saying S&P is a valid synonym for "equities".


Is this the strategy you would recommend to our OP, instead of an IUL?

If you would *not* recommend a long-term naked S&P500 strategy, and you've already admitted it doesn't match the performance of an IUL when safety is considered, why are you trying to push it as superior?

You don't seem to recommend an apple, you prefer bananas, yet you want to try to compare apples to orangutans.