My previous post was Fool Alerted. We have some verrrrry immature posters here. Apparently, so long as one AGREES with the poster, that poster can insult with impunity. Rayvt: Care to speak to the content of the post? Or is deportment all that matters.What I said was...Actually, I think deportment is very importantant. After all, we're supposedly all adults here. There's no good reason for you to be a jerk when discussing financial matters. It's very unbecoming.As to the content of your post, I agree with you that some people have nerves of steel, but most people don't. You can exhort them until you're blue in the face to "sit on their hands" through the down times, but the practical reality is that that's very difficult to do. I believe I posted a link to an article about this phenomenon.This is what Dave is focused on. He believes that a monetary value can be attached to the lack of volatility that an IUL offers. I don't agree with him that this is monetarily convertible. That doesn't mean there's no value in the fact that one will never lose one's principal in an IUL. To these people--of which I am one--the fact that "your principal will never be less than what you put in" is a good thing. "You'll participate in an upside, but not to the extent that you would if you were long in the S&P 500 itself," isn't a bad thing.You'll just have to accept this and restrain yourself from being obnoxious toward those who don't have the nerves of steel you apparently have. I think if you try really reeeeeaally hard, you, too, can offer gentlemanly opinions on this topic.
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