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In any case, doubling is nothing to sneeze at.

No, it's not, but at one point in this thread--I'm not going to take the time to go back and find it--Ray claimed that a modest investment in the S&P500 turned into $6-9 million! When I protested that one didn't need a calculator to know this couldn't possibly be accurate, I was hounded firmly into place by the pro-Index investors in this thread. Why, I must be stoopid not to believe that $6-9 million is possible because Ray said so! Other than Dave, there hasn't been a single challenge to any of the figures presented by Ray or others who firmly believe in S&P500 B&H--not even to constructively (and respectfully) establish a protocol for calculating them.

There's no doubt that two retirement planners, depositing exactly the same money at exactly the same pace--one into the S&P500 on a buy-and-hold basis and the other in an IUL policy with the highest possible cap--will find one of them (the S&P500 investor) with a higher balance 40 years hence. I have posted a simple Excel spreadsheet that proves this beyond question. [BTW, when I said I didn't know how to (a) create such a spreadsheet and (b) post it to the board, why, you'd have thought I admitted to mass murder. It's really disheartening that respectful discussion of this very important topic is impossible here. One must wade through a sea of snark to get to a reasonable conclusion.]

Dave is saying that the risk of S&P500 B&H ought to be for most people intolerably high and that ROI for that risk is quantifiable in favor of the IUL. That may be, but it doesn't matter. In my opinion, it's simply a matter of "Are ya feelin' lucky? Well, are ya?" If you feel you can tolerate periodic drawdowns in the S&P500 and that none of those drawdowns will occur precisely when you need them not to, then invest in the S&P500 B&H strategy.

I feel differently. I think our country, if it persists on its present path of economic suicide, is doomed to become Greece; possibly worse. I prefer safety over yield and I think I can find it in an IUL policy.
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