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URL:  http://boards.fool.com/hi-ray-dave-what-would-it-take-to-convince-you-30874976.aspx

Subject:  Re: Hi gang... wow!!! Date:  9/17/2013  7:23 PM
Author:  Dwdonhoff Number:  72988 of 78166

Hi Ray,

Dave: What would it take to convince you that your opinion of IUL vs. B&H is wrong? Is there *anything* that would cause you to change your mind? Is there any example, any set of numbers or whatever, which if you saw it, you'd say, "Oops, what I thought was incorrect." ?
Shoot, you know there is! I've *NEVER* stuck my foot in concrete on this point, and every observation of superior results has been couched in qualifying language "apples to apples, risk-weighted" etc.

If we can see a passive retirement* strategy that performs better than an IUL, on a risk-adjusted basis, I would personally *LOVE IT*! I've said from the very beginning, and in practically every thread this ever comes up in, I am perpetually on the prowl for such a strategy.

So far though, all that has been offered is full risk exposure, and no apples-to-apples adjustments for it.

(*'retirement' meaning all relevant funding accounted for... none of the idea that prior to reaching retirement 'some' money doesn't actually count, but can be used for risk avoidance reserves anyway. Anything needed as a safety buffer to allow the tolerance of naked S&P risks is directly investible to the safer IUL.)

A from Ray: If I saw a run where the same real-world (or even realistic alternate history) events showed that an IUL has a higher final value, over a long-term period of time. (Since IULs are stated to be a long-term investment.) If I saw that I'd begin to question my opinion that B&H is better than IUL. Then I would want to know the sta