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I know - my point is - if your invested account principal grows fast enough (like it will in the later years) that even putting your total new investable/reservable dollars into the reserves won't bring the reserve account up to 50% of the invested accounts, how do you get the reserves up to 50%? Sell invested assets? That seems silly, since the invested assets may have suffered a drawdown (small or large), and the reason for having the reserves is to not have to sell invested assets during a drawdown. So, I'm still not understanding how you expect this to be accomplished. After all, as you said - we can't manufacture money.

If I understand Dave's explanation correctly, 1/3 of the S&P gains would go into the "guarding against the 50% drop" bucket.
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