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Those people will have to decide if it's worth taking a $37,000 haircut to avoid the pain.

Except that they do not have to make that decision. The decision is whether they are willing to risk finding themselves "struck out at the bottom of the 9th" with a loss of their living funds when they no longer have the time or resources to recover, all in the hopes of chasing the rare home run return greater than the capped and floored approach.

Bingo! This is the basis on which I made my purchase decision. I've read about many people who, at the precise moment in time when they need to retire, their nest egg gets wiped out. Had they been in an IUL, they could have retired with no diminution of their nest egg. None. Perhaps they could have made a bit more investing on their own (see My Stock Market Seminar at link below), but I have no control over the downs of the market and where I'm going to be (in terms of retirement) when they occur.

My Stock Market Seminar

Oh, and here's the story behind the graph.

The Next Stock Market Crash: Why Many Pros Think It Has Already Begun

So go ahead, Rayvt, put your money in the S&P and have a blast.
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