On what planet do you think a client will do this? Or their agent? We can't even get traditional UL clients to read their annual statements once a year, but we could get them to time the market? Warren Buffet isn't even that good, or he would have predicted the last decade of the market and dodged the mess....If you can read the SP500 stock market charts ( I know how, I've trading for 15 years or so ), you could move your assets from the fixed account to the interest bearing account during a market rally and then protect yourself during a correction by moving these same assets back into the fixed account. I would love that aspect of it, if that is the way it works.
This is why the "Qauntitative Analysis of investor Behavior" (www.qaib.com) show us year after year that the index numbers (Dow and S&P) are total fiction, and the average investor NEVER realizes returns close to the performance of the indices. They don't for the same reason we see ao many ULs crashing... HUMAN BEHAVIOR.