most of the sudden non holders who are commenting here are...

most of the sudden non holders who are commenting here are likely to be shorters who see falling SP is the best opportunity to spread misinformation. When SP goes down, pretty much every (mostly retail) holder is in somewhat panic mode and its the best opportunity for shorters to instill the doubt on weak hands and expect them to sell so they can benefit. this is where instos are differ as they usually know more than retail ( they get it wrong too). Anyway VUL is a great opportunity for anyone (knowing nothing is certain and nothing is risk free) who convince it's story and if they see it has the expertise, ability to overcome impending future challenges and emerge as the lithium and renewable powerhouse in EU. For me all the news and indicators are pointing that direction and just awaiting patiently no matter what the SP doing meantime as long as I see VUL is sailing right direction.