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Hi Spinning,

How in detail does this volatility make the IULs beat the S&P? Some will lose and some will win, but what is the analysis that says that the IUL beats the S&P?
See post #72810

What is your metric for "beating"?
The highest risk-adjusted returns over 40 years (age 25-65,) and then the most distribution available thereafter.

If Account #A has a risk of 50%+ drawdowns, then it's risk-adjusted returns are its gross returns times 1-drawdown. At a 50% drawdown, the risk-adjusted returns are 50% of the gross returns. At a 25% drawdown the risk-adjusted returns are 75% of the gross returns.

Dave Donhoff
Leverage Planner
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