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A particular worksheet of interest is "Rolling N yr" returns. It shows the average, minimum, maximum, and median returns for all rolling periods of 1, 5, 10, 15, 20, and 25 years. For S&P500 B&H, S&P500 SMA-timed, and IUL.

For shorter periods, the IUL method beats B&H as far as drawdowns (losses) -- that's the "min". That's the case up to periods of 15 years. At 15 years the minimum returns are equal. For periods of 20 & 25 years, B&H return is 50% more than the IUL return.

The average & median returns are another matter. The IUL method has half the returns of B&H. This is the case for all holding periods, even as short as 1 year.
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