Anton Hendler |
February 4, 2014 |
Annual Reset, Annuity Basics, Fixed Annuities, Index Annuities
Of all the features of a Fixed Index Annuity (FIA), arguably the one with the greatest value is the annual reset. What this means is that every year on the anniversary of the policy, any gains in the market (based on the strategy which you have chosen and an index such as the S&P 500) will be credited to your policy and then ‘locked in’. So if the market goes down in the next year, not only will you not go down (you will stay...
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John L. Olsen |
September 18, 2013 |
Annual Reset, Annuity Basics, Annuity Caps, Annuity Definition, Index Annuities, John L. Olsen, Member Posts, Participation Rate
There are several different kinds of index annuities, but the “Annual Reset” type is the most commonly sold (and bought). The name refers to the interest crediting period – the length of time over which gains and losses in the equity index (often, but not always, the S&P500®) will be measured and index-linked interest will be calculated and credited. There are different types of annual reset annuities. Some measure monthly index movements, from which they calculate and credit interest annually (the “Monthly Sum” or “Monthly...
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