No. of Recommendations: 3
Well, now I have performance information for making a large one-time withdrawal. They are much better for the S&P account than I expected. Which was a surprise -- just goes to show that you need to look at the actual data instead of making assumptions about what effect something would have.

I'm pretty sure that there are no errors in the spreadsheet, but wouldn't guarantee it. If anybody could look at it and find any errors in formulas or logic, I'd be grateful.

Here's what I get.
One time withdrawal of a large lump sum, at the market bottoms.
start: Jan 1973 End Jan 2013
$15,000 initial, $150/mo dep. IUL 0%/12% 22 bps fees, 5.5% loan rate. IUL withdrawal is taken as a loan.
The S&P account is 100% S&P500.
One time withdrawal on indicated date.

Withdraw about 50% of IUL
IUL Val w/d IUL final S&P final
12/1/1987 $84,000 $42,000 $420,000 $1,090,000
10/1/1990 $107,000 $55,000 $400,000 $1,103,000
2/1/2003 $320,000 $160,000 $311,000 $1,173,000
2/1/2009 $446,000 $223,000 $311,000 $1,033,000
No withdrawals $586,000 $1,500,000

Withdraw about 80% of IUL
IUL Val w/d IUL final S&P final
12/1/1987 $84,000 $67,000 $322,000 $847,000
10/1/1990 $107,000 $86,000 $296,000 $879,000
2/1/2003 $320,000 $256,000 $147,000 $977,000
2/1/2009 $446,000 $356,000 $146,000 $754,000

Other dates, at years 7, 10, 20
About 50% of IUL
IUL Val w/d IUL final S&P final
1/1/1980 $35,000 $17,000 $482,000 $996,000
1/1/1983 $58,000 $29,000 $437,000 $921,000
1/1/1993 $133,000 $66,000 $389,000 $1,191,000
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