HAVING SAID THAT...I'll also point out it is *IRRELEVANT*!The only thing I see as relevant is how much one gets to keep commensurate with the risk one is willing to take.Option #1: If you're unwilling to monetize the risk--which, as we see, is difficult if not impossible to do anyway--and you're able to withstand periodic huge losses, then S&P500 B&H is for you.Option #2: If you're unwilling to watch your retirement account experience periodic huge sell-offs, then an IUL--with its safety and tax benefits--is for you provided that you understand you may (not will) end up with more in a S&P500 B&H account had you gone that route.With hindsight being 20/20 and with no hope for conservatives so long as they're running against Santa Claus, I take option #2.
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