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Lesson 8
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Cap/Floor/Participation
Cap · Floor · Participation
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Modela los 3 levers de IUL.
The 3 levers
Cap (techo, %)
Floor (%)
Participation (%)
Spread charge (%)
Datos históricos
Selecciona una ventana:
2004-2023
1994-2013
1984-2003
Calculate 20 years
Results
S&P 500 avg
—
IUL credit avg
—
Annual gap
—
With $10,000 initial
S&P 500 direct:
—
· IUL crédito:
—
Diferencia acumulada.
Year
S&P 500
Después partic.
After spread
IUL crédito
Gap
Key insight:
Asimetría matemática. Gap acumula.
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