No. of Recommendations: 0
If our investment horizon is 30 years, then why do we care at all about capping market risk at zero in any given year?
Because when you need your liquidity, and the markets down, you can't afford to be s.o.l.

We only care about the result at the end of 30 years.
In order to survive 30 years, your account has to survive 30 years intact.

Trying to argue in *favor* of a mystical non-strategy supposedly superior to an IUL that nobody has yet brought forth, by randomly choosing any off-the-shelf unstructured IUL is pretty damning in the lack of argument itself.
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