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Investing/Strategies / Retirement Investing
|Subject: Re: Strategy comparison S&P500 vs. IUL||Date: 4/3/2013 10:38 PM|
|Author: Rayvt||Number: 71687 of 73956|
have the historical "total S&P500" data (with the shifting dividends,) back to inception now.
Great! Is it posted somewhere for download? If not, can you put put it up somewhere?
Never mind. I got my butt in gear and managed to find the historical yields.
I've only eyeballed the equity curves, not dug deeper into the data & calculations, but it doesn't appear at first blush that the spend-downs were addressed. The IUL is going to have a more gradual glidepath,
Not sure what you mean by "spend-downs". I'm just an Arkansas hick[*], so maybe this is going right over my head -- I understand "withdrawals" and that's what I modeled. Is that another of those Inigo Montoya words?
[*] transplanted Arkansan, but still ...
Yes, the IUL did have a more gradual glidepath.
Right into oblivion. ;-(
After somebody(s) take a look at the "iul-check" the spreadsheet and verifies that the calculations are valid, and I've had a chance to correct any errors, I'll upload my spreadsheet. Alas, it's gotten rather complicated, what with all the parameters.
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