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Subject:  Re: Hi gang... wow!!! Date:  9/18/2013  4:03 PM
Author:  Dwdonhoff Number:  73043 of 78166

Hi Ray,

When just looking at the numbers (that is, paying attention only to the final values, and paying no attention to the meandering path from start to finish), the IUL comes out behind the S&P500 B&H every time.
That's because, so far, the S&P has been overfunded relative to drawdown risk reserves. Balance it out to an apples-to-apples comparison, and you'll see different results.

But... you're smart. You already know this, and that's why you refuse to balance it out.

All the rest of the narra