GROW YOUR OWN WAY. With Heritage Growth Advantage, you and your financial professional can design a blend of crediting strategies to meet your needs using a combination of the available indexes and the Fixed Account. And the Heritage Growth Advantage includes index accounts with 1-year and 2-year participation rates guaranteed not to be decreased for the Surrender Charge Period 4 - providing extra comfort in your plan.
GET TO KNOW THE INDEXES.
The Morgan Stanley Dynamic US Equities Index Exclusive
The Morgan Stanley Dynamic US Equities Index (the “Index”) provides exposure to US Large Cap equities and targets realized volatility of 15%. The Index also has a variable index deduc- tion factor that will reduce returns on the Index and on instruments linked to the Index, but will also potentially allow such instruments to provide a larger allocation to US Large Cap equities and greater participation to upside performance in a cost controlled manner.
The S&P Marc 5% (Multi-Asset Risk Control)
The S&P Marc 5% index seeks to provide multi-asset diversification within a simple risk weight - ing framework, tracking three underlying component indices that represent: Equities: S&P 500; Commodities: S&P GSCI Gold; Fixed Income: S&P 10-Year U.S. Treasury Note Futures. Index allocation is rebalanced daily based on market conditions.
The SG Entelligent Agile 6% Exclusive
The SG Entelligent Agile 6% index uses Entelligent’s Smart Climate ® model to predict profit - ability and share price performance under different climate scenarios. This model is distilled into an “E-Score ® ” for each company in the S&P 500, which allows the Index to rank each by climate risk preparedness. Its decision-making criteria are fully systematic and rules-based.
BUILT TO DIVERSIFY. There are many advantages to spreading your allocation across multiple indexes. Doing this allows you to limit your exposure in just one index, which reduces your risk by not dedicating all of your funds toward just one outcome. So, if a particular index isn’t performing well in a given cycle and the other two are, then you can still yield a positive return and take another step closer to reaching your long-term retirement goals. Talk to a financial professional to help set and reach your retirement goals.
4 The Surrender Charge Period is 10 years in most states and 9 years in California . .
HGA-CB-01-2023
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