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URL:  https://boards.fool.com/hi-spinning-how-in-detail-does-this-volatility-30871885.aspx

Subject:  Re: Hi gang... wow!!! Date:  9/15/2013  9:45 PM
Author:  Dwdonhoff Number:  72873 of 99742

Hi Spinning,

How in detail does this volatility make the IULs beat the S&P? Some will lose and some will win, but what is the analysis that says that the IUL beats the S&P?
See post #72810

What is your metric for "beating"?
The highest risk-adjusted returns over 40 years (age 25-65,) and then the most distribution available thereafter.

If Account #A has a risk of 50%+ drawdowns, then it's risk-adjusted returns are its gross returns times 1-drawdown. At a 50% drawdown, the risk-adjusted returns are 50% of the gross returns. At a 25% drawdown the risk-adjusted returns are 75% of the gross returns.

Dave Donhoff
Leverage Planner
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