No. of Recommendations: 6
So, is that enough non-handwaving? Just cold hard data and statistics of the actual S&P500 market returns for the last 20 years.

You get to make your choice. Which is appropriate. Everybody have their "sleeping point". De gustibus non est disputum.

As everywhere in life, there are tradeoffs. And you get to pick which one you personally prefer.

If you want stable, never-declining returns, go for a IUL.

If you want high returns that aren't steady and sometimes decline, eschew a IUL and invest directly in the index.

What you CANNOT choose is a stable, never-declining return that is high return.

Ain't nobody out there who's aiming to hand out buckets of money to people who don't want to learn to invest. But there's plenty of people who will gladly give you a stable return in exchange for them keeping the lion's share of the gains.
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