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Subject:  Re: Hi gang... wow!!! Date:  9/15/2013  4:49 PM
Author:  CCinOC Number:  72867 of 100127

You missed a day or two ago when I pointed out that Ray's sheet is ignoring the costs of the relative volatility, which at 53% (to 0% on the IUL) has a dramatic reducing effect on the S&P results.

Then you must do the same for the IUL--that is, the lost gains that an IUL doesn't get when the S&P soars (positive volatility).
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