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Why can't you use the simplest criteria?

~ Self-traded S&P 500 vs. IUL (with 12% cap)
~ January 1975 (age 28) to December 2012 (age 65) [37 years of systematic contributions]
~ Monthly contribution: $1,000
~ $10,000 initial contribution
~ Annual point to point

If you change this to 3,000 quarterly or 12,000 annual, this should be relatively easy to do. However, I'd need to know exactly how you would think to apply the 12% cap (monthly, quarterly or annual).

Alternatively, I can just pull data and hand it over to Rayvt, who has a lot more time than I do.

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