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Hi Ray,

Dave, you keep saying that, but do you have any hard examples or data to show us?
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.

Laughable, considering that the S&P account gets the dividends but the IUL doesn't.
You keep saying this, and I keep showing you how you are wrong.
Why do you do that?
===========

AJ,
Based on Ray's numbers, I do not see how an IUL provides a better risk factored return.
Ray's numbers are inaccurate. We've corrected them so many times now, the only remaining determination is that the inaccuracies are intentional.

Dave Donhoff
Leverage Planner
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