I can make another [Excel spreadsheet] with whatever parameters you want. Just let me know.Alrighty.http://www.businesswire.com/news/home/20120726005911/en/Alli...~ Starting balance in IUL and S&P of $10,000~ Monthly contribution $1,000 to IUL and S&P~ Monthly contributions to IUL and S&P from January 1965 (age 20) to January 2013~ Cap on IUL = 11% (Allianz Life Pro+)~ No losses in the IUL policy; floor = 2%~ IUL annual reset locks in all credited interest each year~ Monthly withdrawal of $5,000* from both from February 2013 (age 68) to December 2033 (age 88)* In the case of the IUL, it won't really be a "withdrawal" but a loan at 5.3%. The entire IUL balance continues to accrue with no losses. Only the balance (minus withdrawals) in the S&P continues to appreciate (or not).Which strategy runs out of money first?Obviously, this question can't be answered because we don't know what the future performance of the S&P will be, but which strategy runs out of money first is the crux of this debate. Since the S&P is poised to correct (in my opinion), I wouldn't want my money in the S&P at this time. But that's just me.
Best Of |
Favorites & Replies |
Start a New Board |
My Fool |
BATS data provided in real-time. NYSE, NASDAQ and NYSEMKT data delayed 15 minutes.
Real-Time prices provided by BATS. Market data provided by Interactive Data.
Company fundamental data provided by Morningstar. Earnings Estimates, Analyst Ra