
IA Form 4786 2015-2025 free printable template
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This is an updated version of the graph shown in the fox business news story from April 2010 showing how a fixed indexed annuity helped real-life retirees Tom and Kathy is oh if you missed that video it's available on this YouTube channel and on Randy packet come here's a still shot from that video showing the graph in the background and here I've zoomed in and highlighted the title at the top and the American equity logo on the lower right now let's take a closer look at this graph you'll notice there are three lines blue burgundy and green let's look first at the minimum guaranteed contract value represented by the blue line minimum guaranteed contract value is simply the minimum amount the account would grow if the client left her money invested with this account it's important to know that this is an actual client illustration not just a hypothetical this client put a hundred thousand dollars with American equity in 1998 and this graph shows the account value 14 years later September 30th 2012 so back to the blue line notice that it's a straight line going from nineteen ninety-eight to twenty twelve starting with the original $100,000 investment, and it shows that the client would have had a minimum total value of 150 1259 dollars in 14 years that's the minimum guarantee rate of three percent that the client would have earned if she stayed with the company during that time obviously she's still a client of American equity, and she's continued to earn a lot of money with this investment, but the reality of the market is that the market goes up and the market goes down that brings us to the burgundy line which represents the Stamp;P 500 the standard & poor's 500 and as it happened in 1998 through the year 2000 for two years the market went up and taking a look at the burgundy line it shows that the Stamp;P 500 has moved up accordingly from 100,000 to 136 thousand nine hundred thirty-seven dollars that's a thirty-six percent gain in two years so the client if she had invested her money directly into an S&P 500 mutual fund would have earned thirty-six thousand nine hundred thirty-seven dollars on top of her original investment for a total of one hundred thirty-six thousand nine hundred thirty-seven dollars but as happens with the market in two thousand the market crashed or went down for two and three-quarter years and during that time the market meaning the Stamp;P 500 went down so the clients' money if it was invested in the Stamp;P 500 mutual fund would have dropped to 78 thousand eight hundred sixty-nine dollars and then at the end of two thousand to the market turned around and kept on moving up for five straight years and by the time 2007 came along the seventy-eight thousand eight hundred sixty-nine dollars in that sp500 mutual fund would have grown to a hundred forty 5542 dollars but again in 2007 when the real estate market crashed with the mortgage market being a primary reason the market went down for two years it went from being a...
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