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Hi Ray,

There is no such thing as a no-risk, no drawdown investment.
Of course... that's why the risk of catastrophic event expense during a historical drawdown has to accounted for in any strategy when comparing to another that doesn't have that risk.

There's no such thing as an no-effort, outperforming buy-and-forget strategy, either
Nothing outperforming the IUL strategy, right.

I haven't really talked about it, but it's right there on my spreadsheet. The 10 month SMA timing method that's between the B&H section and the IUL section. And on the chart, the orange line.
ABSOLUTELY! I've said from the very beginning that I also have mechanical trading systems that will run circles around both an index B&H, and a FRI IUL strategy. It brings discipline & psychological risks to play... but actively managed strategies can both outperform, and remain vulnerable as well.

It's bad enough to leave $800,000 on the table by getting ans IUL instead of S&P500 B&H.
That's disingenuous now that you've read & acknowledged the actual performance facts. Back out the 3% contribution inflation, and start it 40 years back as the IUL ran 40 years, and the B&H S&P lost to the risk-factored IUL... and that's before distribution eats it.

Dave Donhoff
Leverage Planner
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