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URL:  http://boards.fool.com/i-have-no-friggin-quotargumentquot-im-30626458.aspx

Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/8/2013  12:27 AM
Author:  MurrayS Number:  71792 of 75335

I have no friggin' "argument." I'm awaiting the conclusion just like everyone else, but I see no one--that's right, no one--providing convincing evidence that investing in the S&P 500 over a sustained period of time will result in a final figure of $92 million.

No one here has done it--obviously--but the "back of the envelope" must be a bazillionair by now.


So why don't you run the numbers yourself? You ask others to run the numbers for you and then throw it back saying you remain unconvinced. What more could we possibly provide to convince you?

Just to satisfy my curiosity, I ran them myself:

$10k initial, $12k added per year, 2% dividend. No taxes, no expenses.

Start 1/4/65, ending value on 1/2/13 = $8,622,136.90 (a bit less perhaps due to annual investments rather than monthly)

Start 1/4/60 with $8,622,136.90, take out $60k per year, ending value on 1/2/90 = $90,539,174.39 ... Certainly in the same ballpark which convinces me beyond any doubt whatsoever.

It took me longer to write that than it did to make the spreadsheet (from scratch) to do the calculations {shrug}

Simple question, do you believe IULs provide a better rate of return than buying into S&P? If so, can you provide something (anything) to back up your answer?

I'm beginning to wonder what your point is since it became muddled a hundred posts ago.

-murray
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