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@duba The one with two years left cut Sp500 contribute the minimum or 0 going forward and invest like a normie, stop trying to get fancy. I don't understand the way they worded the surrender charge" the value of the remaining initial units"...but that sounds like the fee would be larger than...

@kitty63 You can finance the initial upfront costs as well most times, like 110% loan to value, so that could flip your equation entirely to basically 0 out of pocket. Also depreciation for tax purposes isn't the same as property value. Depending on location, size, age, layout, etc value of...