No. of Recommendations: 0
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?

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
Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.