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Subject: Re: Strategy comparison S&P500 vs. IUL [rev 1]	Date: 4/7/2013 2:06 AM
Author: CCinOC	Number: 71757 of 74816
I can make another [Excel spreadsheet] with whatever parameters you want. Just let me know. Alrighty. http://www.businesswire.com/news/home/20120726005911/en/Alli... ~ Starting balance in IUL and S&P of $10,000 ~ Monthly contribution $1,000 to IUL and S&P ~ Monthly contributions to IUL and S&P from January 1965 (age 20) to January 2013 ~ Cap on IUL = 11% (Allianz Life Pro+) ~ No losses in the IUL policy; floor = 2% ~ IUL annual reset locks in all credited interest each year ~ Monthly withdrawal of $5,000* from both from February 2013 (age 68) to December 2033 (age 88) * In the case of the IUL, it won't really be a "withdrawal" but a loan at 5.3%. The entire IUL balance continues to accrue with no losses. Only the balance (minus withdrawals) in the S&P continues to appreciate (or not). Which strategy runs out of money first? Obviously, this question can't be answered because we don't know what the future performance of the S&P will be, but which strategy runs out of money first is the crux of this debate. Since the S&P is poised to correct (in my opinion), I wouldn't want my money in the S&P at this time. But that's just me.
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