No. of Recommendations: 10
dwdonhoff writes:
I ran the IUL with 50% more contributions adjusted for no drawdowns,
I compared to your 40 yr S&P return with inflating contributions,
Backing out the inflating contributions, it looks like the IUL wins.

So you say. You provided no spreadsheet we could play with to see your unstated assumptions. We can't duplicate your results. Ray's I can see and work through for myself.

You keep saying this, and I keep showing you how you are wrong.
You keep asserting he is wrong. And you keep asserting that he agrees that he's wrong. I haven't seen that. The only way to show that Ray is wrong is to show what numbers he's put into his spreadsheet that are wrong, or to show what formulas he's using that are wrong. You haven't done anything like that. What you keep doing is making assertions and backing them up with more assertions. Use real data if you want to get some traction.

Ray's numbers are inaccurate. We've corrected them so many times now, the only remaining determination is that the inaccuracies are intentional.
Riiight. I don't think this disagreement is based on deliberate lying by anybody. But I'm seeing a lot of willful blindness: since IUL's are great, adjust the facts to match that belief. What I'm watching in this argument is science on one side and faith on the other.

I'm not interested in a faith-based retirement. I want to see the numbers and play with them myself. Show me some numbers, Dave.

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