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（新页面: An equity-indexed annuity is just a form of annuity that grows and generates interest based on a formula linked to your certain currency markets index.An Equity Indexed Annuity having an ...）
 
 
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An equity-indexed annuity is just a form of annuity that grows and generates interest based on a formula linked to your certain currency markets index.An Equity Indexed Annuity having an Income Rider is a contract between you and the insurance company which provides:1) Guaranteed return of principal, 2) Returns linked to a list (susceptible to a cover), 3) Credited increases can't be dropped, 4) Guaranteed minimum interest, 5) Liquidity functions (nursing home, essential infection & 10% annual withdrawal), 6) Taxes not due until withdrawal, 7) Avoidance of Probate, 8) Protection from creditors, 9) No annual costs (other than the price of the driver relying on the provider) and 10) certain income you (or you and your spouse) can't outlive.Equity Indexed Annuity Crediting MethodsFunds can be given between the different crediting methods and each year the allocation can be improved. Most EIA's allow for one or a combination of different indices to be properly used such as S&P 500, Nasdaq-100, FTSE 10-0 etc.1) Fixed Account: Frequently between 2.5-4m -3.5%Fixed consideration crediting is great in years when the market may decline and certain growth is desired.2) Annual Point to Point using a Cap (suppose 6.5%). Take the distinction between the anniversary of the contract value of the index used and the end-of the contract year value and apply the cap (if applicable). For example, if the list (say S&P) rises 12% for the year of the contract, the bill could get 6.5% (the hat). If the S&P went up 5% the account would get 5% and if industry went down 15-inch the account would remain even.Annual Point to Point crediting is good in years when there is modest increases within the market.3) Monthly Sum (also called Monthly Point to Point) with a monthly cap (assume 2.5%). Simply take the difference involving the beginning of the month value of-the index used and apply the regular top (if applicable). For example, if in the first month of the agreement the S&P went up 2.75% the consideration would get 2.5-4m (the top). If in-the second month of-the agreement industry went up 2.10% the bill might get 2.10 and so on. There is no limit o-n negative returns each month (aside from the fact that at the end-of the year you can never lose income so if the crediting technique makes a negative the consideration would stay even) so if the list would go down 3.2% in month 3 and down 3.5% in month 4, the agreement would be (2.5%+2.1%-3.2%-3.5% )= negative 2.1. Hypothetically, in the event the S&P went up 2.5% or more each month the bill could make one month (2.5% x 1-2 ).Monthly Sum (Monthly Point to Point) crediting is great when there are constant increases in the market.4) Monthly Average with a spread (believe 3%) [http://www.safeannuityquote.com/fixed-index-annuity-basics annuities]. Regular values are included for the entire year and separated by 12 to get the common index value. With that value the per cent gain or loss will soon be calculated. If there is a percentage gain then the spread is taken from the gain to look for the awarded interest rate. To illustrate:Step 1: Note the market value as of the time of the agreement. For instance 970.43 Step 2: Mount up all end of month values and divide by 1-2. As an example 13,054.27/12=1087.86 Step 3: Determine gain or loss: 1087.86-970.42=117.43 factors or a 12.10% gain. Step 4: Subtract the three minutes spread to find out paid volume (12.10%-3% )= 9.10%The Monthly Average crediting method is great when the list is volatile.If you considering this expense and are doubtful if it is appropriate for you, then you may possibly benefit from having an experienced financial expert who is in a position to show you the rules and help you invest-in the financial products that will best meet your goals.
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An equity-indexed annuity is a form of annuity that increases and generates interest based on a formula related to your specific currency markets index.An Equity Indexed Annuity by having an Income Rider is just a contract between you and the insurance provider which provides:1) Guaranteed return of principal, 2) Returns connected to a list (subject to a cover), 3) Credited results cannot be dropped, 4) Guaranteed minimal interest, 5) Liquidity capabilities (nursing home, crucial infection & 10% annual withdrawal), 6) Taxes not due until withdrawal, 7) Avoidance of Probate, 8) Protection from collectors, 9) No annual costs (other than the cost-of the rider relying on the provider) and 10) assured income you (or you and your partner) can't outlive.Equity Indexed Annuity Crediting MethodsFunds can be given between the different crediting methods and every year the allocation can be changed. Most EIA's permit one or a mix of different indices to be used including S&P 500, Nasdaq-100, FTSE 100 etc.1) Fixed Account: Often between 2.5% -3.5%Fixed consideration crediting is great in years if the market will fall and guaranteed growth is desired.2) Annual Indicate Point with a Cap (assume 6.5%). Consider the distinction between the anniversary of the contract value of the index used and the end-of the contract year value and use the cap (if applicable) [http://www.safeannuityquote.com/annuity-information/26-who-s-who-in-a-fixed-index-annuity retirement plans]. For instance, if the list (say S&P) goes up 12% for the year of the contract, the consideration could get 6.5% (the hat). If the S&P went up 5% the account would get 5% and if the market went down fifteen minutes the account would keep even.Annual Point to Point crediting is good in years when there's moderate results within the market.3) Monthly Sum (also called Monthly Point to Point) with a monthly hat (assume 2.5%). Just take the-difference between the start of the month value of the index used and apply the cover (if applicable). For instance, if in the first month of the agreement the S&P went up 2.75% the bill would get 2.5-5 (the top). The account would get 2.10 an such like if in the 2nd month of the contract the market went up 2.10%. There's no limit o-n negative results each month (aside from the proven fact that at the end-of the year it is possible to never drop cash so if the crediting technique makes a negative the bill would keep even) so if the directory would go down 3.2% in month 3 and down 3.5% in month 4, the contract would be (2.5%+2.1%-3.2%-3.5% )= negative 2.1. Hypothetically, in the event the S&P went up 2.5% or more every month the bill would make 30% (2.5% x 12 ).Monthly Sum (Monthly Point to Point) crediting is good when there are consistent gains in-the market.4) Monthly Average with a spread (suppose 3%). Regular values are added for the season and divided by 12 to get the typical index value. With that value the percent gain or loss will be calculated. When there is a share gain then the spread is deducted from the gain to determine the credited interest rate. To illustrate:Step 1: Note the market price by the time of the agreement. For instance 970.43 Step 2: Add-up all end of month values and divide by 1-2. Like 13,054.27/12=1087.86 Step 3: Determine gain or loss: 1087.86-970.42=117.43 details or a 12.10% gain. Step 4: Subtract the half an hour spread to find out acknowledged amount (12.10%-3% )= 9.10%The Monthly Average crediting process is great when the list is volatile.If you considering this investment and are doubtful if it's proper for you, then you may possibly benefit from having a seasoned financial expert who's able to show you the rules and help you spend money on the financial products-that can best meet your aims.

2013年6月23日 (日) 18:53的最新版本

An equity-indexed annuity is a form of annuity that increases and generates interest based on a formula related to your specific currency markets index.An Equity Indexed Annuity by having an Income Rider is just a contract between you and the insurance provider which provides:1) Guaranteed return of principal, 2) Returns connected to a list (subject to a cover), 3) Credited results cannot be dropped, 4) Guaranteed minimal interest, 5) Liquidity capabilities (nursing home, crucial infection & 10% annual withdrawal), 6) Taxes not due until withdrawal, 7) Avoidance of Probate, 8) Protection from collectors, 9) No annual costs (other than the cost-of the rider relying on the provider) and 10) assured income you (or you and your partner) can't outlive.Equity Indexed Annuity Crediting MethodsFunds can be given between the different crediting methods and every year the allocation can be changed. Most EIA's permit one or a mix of different indices to be used including S&P 500, Nasdaq-100, FTSE 100 etc.1) Fixed Account: Often between 2.5% -3.5%Fixed consideration crediting is great in years if the market will fall and guaranteed growth is desired.2) Annual Indicate Point with a Cap (assume 6.5%). Consider the distinction between the anniversary of the contract value of the index used and the end-of the contract year value and use the cap (if applicable) retirement plans. For instance, if the list (say S&P) goes up 12% for the year of the contract, the consideration could get 6.5% (the hat). If the S&P went up 5% the account would get 5% and if the market went down fifteen minutes the account would keep even.Annual Point to Point crediting is good in years when there's moderate results within the market.3) Monthly Sum (also called Monthly Point to Point) with a monthly hat (assume 2.5%). Just take the-difference between the start of the month value of the index used and apply the cover (if applicable). For instance, if in the first month of the agreement the S&P went up 2.75% the bill would get 2.5-5 (the top). The account would get 2.10 an such like if in the 2nd month of the contract the market went up 2.10%. There's no limit o-n negative results each month (aside from the proven fact that at the end-of the year it is possible to never drop cash so if the crediting technique makes a negative the bill would keep even) so if the directory would go down 3.2% in month 3 and down 3.5% in month 4, the contract would be (2.5%+2.1%-3.2%-3.5% )= negative 2.1. Hypothetically, in the event the S&P went up 2.5% or more every month the bill would make 30% (2.5% x 12 ).Monthly Sum (Monthly Point to Point) crediting is good when there are consistent gains in-the market.4) Monthly Average with a spread (suppose 3%). Regular values are added for the season and divided by 12 to get the typical index value. With that value the percent gain or loss will be calculated. When there is a share gain then the spread is deducted from the gain to determine the credited interest rate. To illustrate:Step 1: Note the market price by the time of the agreement. For instance 970.43 Step 2: Add-up all end of month values and divide by 1-2. Like 13,054.27/12=1087.86 Step 3: Determine gain or loss: 1087.86-970.42=117.43 details or a 12.10% gain. Step 4: Subtract the half an hour spread to find out acknowledged amount (12.10%-3% )= 9.10%The Monthly Average crediting process is great when the list is volatile.If you considering this investment and are doubtful if it's proper for you, then you may possibly benefit from having a seasoned financial expert who's able to show you the rules and help you spend money on the financial products-that can best meet your aims.

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