Product Features

此下限是您将获得的与指数挂钩的最低利率。 最常见的下限是0%。 下限为0%可确保即使指数下跌, 您获得的与指数挂钩的利息也将为零, 而不是负数。

The floor is the minimum index-linked interest rate you will earn. The most common floor is 0%. A 0% floor assures that even if the index decreases in value, the index-linked interest that you earn will be zero and not negative.

参与率决定将指数增加的多少用于计算与指数挂钩的利息。 例如, 如果计算出的指数变化是9%, 参与率是70%, 那么您的年金的利率将是6.3%（9%x 70%= 6.3%）。 公司可能每天都会为新发行的年金设置不同的参与率。

All annuities are tax-efficient saving vehicles because money inside annuities grows tax-deferred, so your annual profit is not subject to federal tax or state tax that year.\nThe deferral benefit allows your profit to be fully reinvested into your account, and over time the compounding growth can be significant. For long-term investors or high-income families, annuities’ tax-deferral benefit can be tremendous.

The participation rate decides how much of the increase in the index will be used to calculate index-linked interest (how much your account 'participates' in the upward movement of the index). For example, if the calculated change in the index is 9% and the participation rate is 70%, the index linked interest rate for your annuity will be 6.3% (9% x 70% = 6.3%). A company may set a different participation rate after the 1-year or 2-year index strategies reach their anniversary.

["指数年金使用与年金挂钩的指数变化的公式计算利息。 公式决定了您如何获得利息, 何时获得利息取决于年金的特征。","与其他固定年金一样, 您的股票指数年金也会承诺支付最低利率。"]

It is based on changes in the index to which the annuity is linked. The formula may apply a Cap or Participation Rate so you can get a major portion or a portion of the index growth, yet meanwhile the formula ensures your interest rate NO less than zero in case the index declines. Conversely, in 2008, many investment accounts dropped over 40%, yet how did fixed indexed annuities do? They got 0% but didn’t lose a penny. You could move on with your life, and it was just a blip to your account.