I bite back, that's true, but I do NOT attack people first.Sure you do. Here's a thread back in March: http://boards.fool.com/7702-private-plans-indexed-universal-...Here's your second post on that thread (your first was a mention that you had just bought an IUL): "What's the matter, Rayvt, did someone who beat you at soccer grow up to be an insurance agent? You sure have a hard-on for insurance companies and the people who sell their products." #71523 Two posts later, #71525 "So go ahead, Rayvt, put your money in the S&P and have a blast."Amusingly, you touted a link to an article titled "The Next Stock Market Crash: Why Many Pros Think It Has Already Begun"and the S&P500 has gained 14% since then.My first mention of you was #71562 where I said:"CC you are much too emotional about this.Letting your emotions control your investing is well-known to be detrimental to your investment success. Someone who is driven by their emotions is far better off in some fire-and-forget strategy. So for them perhaps a IUL is the least-bad method."Wow! What a biting attack! I had no idea that I was so harsh.And "Yes, I get that IULs have a guaranteed floor and you never ever lose money. For some people, that's the #1 most important thing. I get that. You don't mind that you'll only have half the money when you retire -- just that you never see your account value ever go down. I get that."Unfortunately, my next sentence was a meanspirited crushing attack:"See you at Walmart -- I'll be the guy that you hand the cart to."I neglected to consider that not everybody reads me enough to know that this is one of my favorite sayings that I say about myself when discussing investment risks.You were then driven to fight back in self defense: #71563"It appears YOU are the emotional one, Rayvt. What else can be said about someone who INSISTS that EVERYONE follow HIS path to financial success. Oh, that's right...I forgot you're a librul. 'Nuff said.An IUL is suitable for many people, but you won't admit that. You INSIST that EVERYONE accept what YOU say about them, "When in fact what I had previously said was:"Look, this isn't hard. Math doesn't lie. The historical data is readily available. I put up the equity curve charts. I was as fair as I could be. I used the actual S&P500 data, and used the exact floor & cap rules and figures that you and Dave said."======== New topic ===============It was this thread where you proposed the parameters for the backtest. The initial & monthly deposits that resulted in a final value that you found impossible. #71594 "~ Self-traded S&P 500 vs. IUL (with 12% cap)~ January 1975 (age 28) to December 2012 (age 65) [37 years of systematic contributions]~ Monthly contribution: $1,000~ $10,000 initial contribution~ Annual point to point"
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