Want to reallocate? Review your options below.
S&P Multi-Asset Risk Control 5% Excess Return Index (Ticker: SPMARC5P) S&P MARC 5% ER spglobal.com/spdji/en/ 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 (i.e. risk control). The index applies rules to adjust allocations among multiple asset classes creating a diversified basket of these assets. The index then adds an element of risk control by applying rules to allocate between this basket and cash. The index is managed to a 5% volatility level.
Did you know? Reallocation options After the first contract year and on an annual basis, you may elect to transfer between crediting methods and index account options, including the fixed account. Based on current tax laws, transfers between options will not be taxable or subject to surrender penalties. By current company practice**, you will have 30 days following each contract anniversary to reallocate. Annual reset The annual reset allows an interest credit, if any, to be added to the index account at the end of each index term. That amount, when added, becomes “locked-in” because it can not be taken away due to negative index performance. The “locked-in” interest credit will be added to the accumulation value, giving you the advantage of compounding in subsequent years. This feature also resets your starting index point each new index term. Annual resets can be a benefit if the index experiences a severe downturn during the term because at the beginning of the next term, you can take advantage of any gains from that point forward. Without this feature, you would have to wait for the index to climb to its original level before any gains could be realized.
Fidelity Multifactor Yield Index SM 5% ER Index (Ticker: FIDMFYDN) go.fidelity.com/FIDMFY
The Fidelity Multifactor Yield Index SM 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.
BlackRock ESG US 5% Index ER (Ticker: BESGUVCX) BlackRock.com/ESGUS5Index
The BlackRock ESG US 5% Index ER (the “Index”) objective is to offer exposure to the iShares ESG Aware MSCI USA ETF subject to a 5% Target Volatility. The index manages to the Target Volatility by incorporating Fixed Income US Treasury iShares® ETFs and a Cash Constituent. The Index tracks the return of the weighted ETFs and any Cash Constituent, above the sum of the Return on the Interest Rate and the Index Fee.*
Past index performance is not intended to predict future performance. * It is important to note your premium is not invested in the Index but in the insurance company’s general account, which may include investments that do not follow the environmental, social, and governance (ESG) practices of the BlackRock ESG US 5% Index ER. ** A feature offered “by current company practice” is not a contractual guarantee of this annuity contract and can be removed or changed at any time.
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