No. of Recommendations: 4
CCinOC writes,

However, if two people start at (say) age 20 and invest the same monthly amount on through to age 60, the S&P B&H account will have more money in it at retirement. Taking into account the caps on the IUL, this is a mathematical fact.


It's not just IUL caps. The huge fees being extracted from the account also have a large affect. It's like trying to save for retirement with a crocodile chewing on your back.

I'm heartened that you've finally realized that a simple, low-cost S&P 500 Buy & Hold strategy will leave you with more money. That's real progress.

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