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Because getting monthly return data is more difficult (although I do have monthly total return data that could be used), but more importantly, you also would need to clarify how to properly apply the "12% annual cap" to contributions made during the year. I mentioned the latter issue in my earlier post.

I found this website to be helpful:

Cliff notes: The fees are deducted from the premium prior to investing. The cap is for 12 months, but it is a rolling 12 month period. e.g. Oct-Oct is one period, Nov-Nov, the next period, and so on.

Interestingly enough, in this actual example you would have prevented losses in two segments and been capped out six times.
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