No. of Recommendations: 0
have the historical "total S&P500" data (with the shifting dividends,) back to inception now.
Great! Is it posted somewhere for download? If not, can you put put it up somewhere?

Never mind. I got my butt in gear and managed to find the historical yields.

I've only eyeballed the equity curves, not dug deeper into the data & calculations, but it doesn't appear at first blush that the spend-downs were addressed. The IUL is going to have a more gradual glidepath,

Not sure what you mean by "spend-downs". I'm just an Arkansas hick[*], so maybe this is going right over my head -- I understand "withdrawals" and that's what I modeled. Is that another of those Inigo Montoya words?
[*] transplanted Arkansan, but still ...

Yes, the IUL did have a more gradual glidepath.
Right into oblivion. ;-(

After somebody(s) take a look at the "iul-check" the spreadsheet and verifies that the calculations are valid, and I've had a chance to correct any errors, I'll upload my spreadsheet. Alas, it's gotten rather complicated, what with all the parameters.
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.