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URL:  http://boards.fool.com/ill-check-it-out-soon-meanwhile-what-seems-30705954.aspx

Subject:  Re: IUL vs. S&P500 spreadsheet Date:  5/29/2013  12:23 AM
Author:  Dwdonhoff Number:  72310 of 75825

I'll check it out soon...

Meanwhile, what seems the more overguiding questions in this regard that are getting dangerously ignored are;

1. what are the odds of a significant drawdwon within 1, 5, or 10 years of a dollar coming in,
2. what are the odds of a significant cash-demand in life elsewhere during the same periods,
3. what are the lost opportunities if liquidity is unavailable during these periods.

Not sure that;s so easily illustratable without much more significant research... but that seems far more important than blind projections on a naked buy & hold versus protected hedge position. The entire point of the hedged position is to be liquid for the catastrophic disasters & massive opportunities.

Dave Donhoff
Leverage Planner
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