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Quote of the Day.

"One's philosophy is not best expressed in words:
it is expressed in the choices one makes. In the
long run, we shape our lives and we shape ourselves.
The process never ends until we die. And the choices
made are ultimately your own responsibility."
Eleanor Roosevelt, first lady
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5 Year Index Annuity Returns 11/06
Annual Reset
An annual reset structure recognized a total return
of 64% if an annual point-to-point approach was
used and 40% if daily or monthly averaging was the
method. Annual point-to-point products did report
higher total interest for the period with a median
total return of 32%. By contrast the median total
return for averaging annuities was 24%.
The average 1-year CD credited 12% total interest
for the 5 years. The average index annuity reported
a total return roughly double that of the CD and
was approximately 85% of the actual S&P 500 return
for the period. As a percentage, actual reported index
annuity returns ranged from 35% to 132% of the
S&P 500 index gain of 28.3%.
Ignores sales or surrender charges. Mutual fund
returns include reinvested dividends; index annuity
returns do not include reinvested dividends.
Information believed accurate, but not warranted.
Standard & Poors does not sponsor or endorse any index product. Sources: Advantage Compe ndium, Wall Street Journal 10/3/06, Federal Reserve Board.

Jeff McLeod
http://www.happyretiree.com/Buyers-Guide -Annuity.html
6401 Wingfield Way
Rogers AR 72758
1-800-286-1812

March 24th, 2007 at 5:47 pm

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