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URL:  https://boards.fool.com/hi-ray-dave-you-keep-saying-that-but-do-you-30874336.aspx

Subject:  Re: Hi gang... wow!!! Date:  9/17/2013  1:35 PM
Author:  Dwdonhoff Number:  72959 of 90540

Hi Ray,

Dave, you keep saying that, but do you have any hard examples or data to show us?
I ran the IUL with 50% more contributions adjusted for no drawdowns,
I compared to your 40 yr S&P return with inflating contributions,
Backing out the inflating contributions, it looks like the IUL wins.

Laughable, considering that the S&P account gets the dividends but the IUL doesn't.
You keep saying this, and I keep showing you how you are wrong.
Why do you do that?
===========

AJ,
Based on Ray's numbers, I do not see how an IUL provides a better risk factored return.
Ray's numbers are inaccurate. We've corrected them so many times now, the only remaining determination is that the inaccuracies are intentional.

Dave Donhoff
Leverage Planner
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