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Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/8/2013  5:34 PM
Author:  gdett2 Number:  71836 of 88822


First, thanks for all the time you put in this.

The deposit amount is just one cell in the spreadsheet, so changing it is simple.
It does make sense to allow the periodic deposit to grow with time. I've already got that code for withdrawals, so it's simple to do it for deposits.

My thinking was the end result was so far beyond expectations, it was freaking-out some of the "number-challenged" people. Starting at a level more in line with reality and basing the contributions on a similar level will bring down the end numbers to a level they might get their heads around.

When you work with a short time frame or look only at future times, the approach used works fine. Once you hit 25 years or more, the compounding adds up pretty quickly.

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