My previous post was wrong. I had a brainfade; in trying to make a fair comparison I went overboard. The deposit is $150/mo, period. The internal fees (policy fees & mortality charge) of the IUL are just that -- internal fees of that account and are completely accounted for in the expense/fee field. The life insurance is of no benefit to the account holder -- it's a throwaway -- therefore it is not appropriate to reduce the monthly deposit of the B&H account by that amount.The monthly deposit is $150, period. Using various different asset allocations for the S&P500 B&H portfolio.X% S&P500 / Y% 10-yr T-billinitial deposit $15,000, monthly addition $150, No tax on dividends.Jan 1963 start. 100/0: Value at end of 50 years (Jan 2013): $3,480,000 MaxDrawdown: -46% Stdev: 15.3%60/40: Value at end of 50 years (Jan 2013): $2,514,000 MaxDrawdown: -30% Stdev: 9.2%50/50: Value at end of 50 years (Jan 2013): $2,260,000 MaxDrawdown: -25% Stdev: 7.7%IUL value: $1,104,000The worst case drop was from the peak on Nov'07 to the bottom on Mar'09.Account values at the Mar'09 bottom:100/0: $1,804,00060/40: $1,605,00050/50: $1,524,000IUL: $838,000*********Jan 1973 start.100/0: Value at end of 40 years (Jan 2013): $1,500,00060/40: Value at end of 40 years (Jan 2013): $1,122,000 50/50: Value at end of 40 years (Jan 2013): $1,023,000 IUL value: $586,000Account values at the Mar'09 bottom:100/0: $775,00060/40: $714,00050/50: $687,000IUL: $442,000*********Jan 1963 start for 40 years.100/0: Value at end of 40 years (Jan 2003): $1,766,000 60/40: Value at end of 40 years (Jan 2003): $1,400,00050/50: Value at end of 50 years (Jan 2003): $1,295,000IUL value: $559,000
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