No. of Recommendations: 3
You're probably frustrated because the cherrypicking is failing you. You chose (or stumbled) on a starting date at the lowest point that could be found. Go back just 2 years to '73, and get forced to partially liquidate in '75, and you're singing an entirely different story.

Same for the other high-entry, low-liquidation periods I pointed out last night.

The 1975 start date was chosen by your compadre and fellow IUL proponent Catherine Coy:

Anyway, the problem isn't the start date, the problem is the moving goal posts. The last time this came up somebody was asking about retirement investing. The time before that someone was asking about saving for their kid's education. Those are long-ish term investment horizons. Both times you were flogging IULs as a great fit for those situations.

Now the story is more along the lines that you're just parking the money short term while waiting for other opportunities. But the questions weren't where to park money short term, the questions were about ways to save long term. IULs are stunning crappy as long term savings vehicles. And that's not counting the junk fees and the 5% front load that is deducted from all money added to the account.
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