THE NO-COMPROMISE RETIREMENT PLAN • 57
As you can see, when the market is crashing from 2000 to 2002, the IUL policy is credited zero percent. Those are some of the hap- piest years, because everything else is losing money while you’re holding your own. In 2003, when the market turns around, the in- dexed policy begins net-positive growth immediately. It doesn’t have to dig out of the hole from the market drop, because the index resets every year at the market’s current level. Again, in 2008, the policy is credited zero percent, and the next year immediately be- ings net-positive growth again. So, at the end of nineteen years, the $100,000 inside the index has grown to $338,772. That means the total amount of interest credited to your account averages 6.29 percent a year. Let’s look at an even scarier market: the “lost decade of invest- ing” from 2000 to 2009. As you remember, it encompasses the market crashes of 2000 and 2008, as well as some of the market recovery.
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