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Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/8/2013  4:42 PM
Author:  sykesix Number:  71829 of 76419

And that could be the solution.

Granted, the $1,000 per month from the beginning is laughable. Why not snap the beginning back to $1,000 per year. When IRAs begin (1976???), bring the lovel up to the IRA annual. Increase the amount in conjunction with the raises to the IRA limit.

That will give some more realistic bounds to the contributions.

You'll have to ask Ray :)

But it doesn't matter. The supposed advantages of the IUL is that the withdrawals are tax free. So the "worst case" comparison would be an IUL vs. a regular taxable brokerage account. But even if you do that, buy and hold puts you so far ahead of the IUL the taxes are trivial compared to the gains.