Set your strategy In addition to the fixed account, here are your crediting methods. Diversify the premium among the following index account options Crediting methods* Index availability* Monthly Point-to-Point (subject to an index cap rate) • S&P 500® Annual Point-to-Point (subject to an index cap rate) • S&P 500®
• S&P Multi Asset Risk Control 5% Excess Return • Morgan Stanley Dynamic Global Index • S&P Multi Asset Risk Control 5% Excess Return • Morgan Stanley Dynamic Global Index
• S&P 500® • Fidelity Multifactor Yield Index 5% ER • Goldman Sachs Equity TimeX Index
Annual Point-to-Point (subject to participation rate)
• S&P 500® • Fidelity Multifactor Yield Index 5% ER • Goldman Sachs Equity TimeX Index
Two-year Point-to-Point (subject to participation rate)
In your contract the applicable period of time for your crediting method is referred to as a “term”.
* Index(es) and strategies may not be available in all states.
Pick from a wide variety of index * options S&P 500 ® Index (SPX)
Morgan Stanley Dynamic Global Index (MSUSMSDG) The Morgan Stanley Dynamic Global Index (MSDG) (the “Index”) allocates among global assets with the goal of diversified exposure across and within equities, fixed income, and commodities. Moreover, the index encompasses tailored risk management tools to address the unique risk and return characteristic of each asset class in an effort to respond to changing market conditions. The index is rules-based and targets a 5% annual realized volatility by allocating to cash with the goal of preserving gains during periods of high volatility and using leverage with the goal of capturing returns when volatility decreases. Goldman Sachs Equity TimeX Index (GSEQTMX) The Goldman Sachs Equity TimeX Index (the “Index”) is a rules-based strategy designed to provide long-only exposure to an equity component (the SPDR® S&P® 500 ETF). The Index’s exposure to the equity component is dynamically adjusted each index business day based on certain market signals, including calendar based signals and price patterns, subject to an exposure floor, an exposure cap, and a rebalancing cap. The Index applies a daily volatility target, which can further increase or decrease the Index’s exposure to the equity component. The Index is calculated on an excess return basis, and is subject to servicing and rebalancing costs and a deduction rate of 0.50% per annum (accruing daily). *Past index performance is not intended to predict future performance and the index does not include dividends.
Widely regarded as the best single gauge of the large cap U.S. equities market since the index was first published in 1957. The index includes 500 leading companies in leading industries of the U.S. economy. S&P Multi-Asset Risk Control 5% Excess Return Index (S&P MARC 5% ER) (SPMARC5P) The S&P MARC 5% ER Index is a multi-asset excess return index that strives to create more stable index performance through diversification, an excess return methodology, and volatility management. The index manages volatility by adjusting the allocations among multiple asset classes and by allocating to cash in certain market environments. The index is managed to a 5% volatility level. Fidelity Multifactor Yield Index SM 5% ER Index (FIDMFYDN) The Fidelity Multifactor Yield Index 5% ER (the “Index”) is a multi-asset , rules-based index that blends a multifactor equity starting universe with U.S. Treasuries, and uses a dynamic allocation approach that seeks to reduce volatility and deliver a more consistent investment experience over time. The starting portfolio is a combination of 6 factors with pre-determined weights and a tilt towards high dividend yielding companies. A fixed income overlay is applied, and the volatility levels of the combined portfolio are analyzed daily and components are adjusted to meet a 5% volatility target.
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