Nonqual,<<What about conceptually and prospectively using the following assumptions (or whatever you think may be more representative):Time period: 10 yearsAnnual Contributions: $4,000 at first of yearAnnual Dividend Yield: 1.5% Capital Appreciation: 16%/yr or 24%/ 18 monthsMarginal Tax Rate: 28%Capital Gains Rate: 20%I'd try it myself, but I can barely use a word processor let alone a spreadsheet. Just curious>>I'll mull it over and come up with something in the next couple of weeks just for fun and comment.Regards....Pixy
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