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Subject: Re: Strategy comparison S&P500 vs. IUL [rev 1]  Date: 4/7/2013 6:05 PM  
Author: CCinOC  Number: 71780 of 77568  
MSN Money: Make a million with $225 a month http://money.msn.com/mutualfund/makeamillionwith225dol... Consider these three ways to retire with $1 [one] million: 1. Invest $2,700 per year for 60 years, assuming an annual return of 5%. 2. Invest $14,500 per year for 30 years, assuming an annual return of 5%. 3. Invest $44,500 per year for 15 years, assuming an annual return of 5%. How then can Rayvt's calculations [excerpted from his post] be accurate? ~ Starting 1/1/1965, accumulate until 1/1/2013 ~ Initial $10,000 and add $1000/mo ~ S&P final balance: $12,003,000 ~ S&P B&H start $5000/mo withdrawal on 1/1/1970 [just five years later] with a starting balance of $12,003,000. ~ Final value 20 years later, 1/1/1990: $95,615,000 Do we even need a spreadsheet to ask, "What's wrong with this picture?" 

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