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No. of Recommendations: 7
If you look at the Dave Ramsey Shaft Detector (see link below), someone paying a 5.00% load plus the average mutual fund's expense ratio and trading costs of 2.09% would lose about half the value of his retirement portfolio to Dave Ramsey and his confederates over 40 years.

And they'd *still* be ahead of an IUL. With more volatility granted, but so what? Volatility cancels out over 40 years.
At least in a mutual fund you get the dividends.
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