Sentences with phrase «in subaccounts»

The underlying funds in a variable annuity are invested in subaccounts, which are professionally managed investment options that invest in stock and / or bond markets.

Deferred variable annuities * invest in subaccounts (similar to mutual funds), which fluctuate with the market.

The name change does not reflect a shift in subaccount objective or strategy.The subaccount invests in large and midsize international stocks, targeting companies with established earnings growth that are priced below their fundamental worth.

This involves a computation of the growth (if any) in the subaccount after taking into account the floor, cap, and participation rates after which this amount is credited to the account.

Where IUL differs from UL is that these policies enable policyholders to invest some or all of their available cash account in a subaccount option based on the performance of market indices such as the S&P 500 or the NASDAQ 100.

The simplest way to do this is a direct rollover of the $ 40,000 in the subaccount to a Roth IRA.

For example, you could have had the company pay the entire $ 40,000 in the subaccount directly to you.

What sets the PPLI apart is the assets held in the subaccount: An everyday, retail customer will choose from a limited menu of subaccount investments offered by the life insurance company.

For contract owners invested in the PIMCO VIT Money Market Portfolio, any value remaining in this subaccount on the Liquidation Date will be transferred automatically to the Fidelity VIP Government Money Market Portfolio subaccount.

Not exact matches

While the value of underlying subaccounts of variable annuities fell through the floor like everything else in the market in 2008, the guaranteed income withdrawal rate (not to be confused with the rate of return of the investment portfolio) did not.

Unlike fixed annuities, VAs provide an opportunity to invest contributions in mutual fund subaccounts during the intervening years.

Cash in your account is held by a major bank in a Hard Assets Alliance subaccount of Gold Bullion International.

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Each month we will allocate the balance in your checking account between the two subaccounts based on allocation formulas that we may change from time to time.

If excess funds accumulate in the checking subaccount, we may automatically transfer the funds to the money market or savings subaccount.

At the beginning of the next statement period, funds in your account will again be allocated between the two subaccounts.

Upon the sixth transfer from the money market or savings subaccount to the checking subaccount during a monthly statement period, the entire balance in the money market or savings subaccount will be transferred to the checking subaccount for the remainder of the statement period.

If additional funds are needed to cover your transactions, we will automatically transfer without charge available funds in your money market or savings subaccount to your checking subaccount.

The subaccount invests in companies outside the United States experiencing rapid earnings, sales, and business unit growth, and with the potential for positive earnings surprises.

You (the annuity owner) make a lump - sum payment or a series of premium payments to an annuity issuer (the insurance company), which will accumulate earnings at a fixed interest rate (a fixed annuity) or a variable rate determined by the growth (or losses) in investment options known as subaccounts (a variable annuity).

The investment companies (subaccounts) offered in Elite Access Advisory are registered as investment companies under the Investment Company Act of 1940, as amended («1940 Act»), and their shares are registered under the Securities Act of 1933, as amended.

The subaccount invests in companies of all sizes across a range of industry sectors.

Returns shown for the subaccounts for periods before their inception are derived from the historical performance of the underlying fund, adjusted to reflect the mortality, expense risk, and surrender charges applicable to this product and do not factor in the annual $ 30 contract maintenance fee.

The subaccount employs Putnam's value strategy to invest primarily in stocks of large and mid-sized companies that are undervalued and poised for positive change.

The subaccount invests in stocks of large, well - established companies.

The subaccount invests in stocks representing the best ideas of Putnam's global equity research analysts.

However, in addition to these features, MAM accounts provide increased flexibility to allocate higher leverage to determined subaccounts.

The subaccount pursues its objective of long - term capital appreciation by investing in stocks of small companies that are undergoing positive changes.

Because variable life subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

But instead of investing your money in the insurance company's general account, as with a fixed annuity, your money is invested in a separate account made up of a number of different investment subaccounts.

You specify how much of your annuity will be invested in the various subaccounts and your return will be based on the performance of the investments you select.

In some cases, the floor rate is positive so that whatever the market does, your subaccount will earn at least 1 or 2 % interest or whatever rate the floor is set at for the year.

The ability to invest in equity - linked subaccounts with your IUL cash account offers you the chance to experience faster growth during periods when the stock market performs well, subject to policy features such as cap and participation rates.

The cap rate is the maximum percentage growth a subaccount can experience in any one crediting period.

In most indexed universal life insurance policies, the new cash value of this subaccount then becomes the baseline for the next year when calculating the amount that will be credited to your account.

Even if the market is moving upwards, if volatility is elevated the higher costs the insurance company must pay as a result can result in reduced cap and participation rates, reducing the amount of interest credited to your index - linked subaccounts.

These restrictions, combined with the lack of any dividend payments from the indices being tracked, means that from a pure growth potential perspective, a direct investment in an index ETF or mutual fund is likely to outperform an IUL index linked subaccount.

An attractive feature of Indexed Universal Life policies is a floor rate, which represents the minimum an index - linked subaccount can earn (or the maximum it can lose) in any one period.

The return of the growth is calulated after substracting the MER.75 % of the principal is guarenteed at maturity.You can also withdraw 10 % without any penality in every year from the segregated funds.You can also do SM through Manuone.If you can put 10 % with CMHC insurance, either borrow a lumpsum from the subaccount, if you have the equity, or can use dollar cost averaging.In this case you pay only prime rate for the mortgage aswell as for the subaccount just like a credit line.The beauty of the mauone is that you can pay of the mortgage at any time if you have the money.Any money goes into your account will reduce your principal amount, and you pay only the simple interest at prime for the remaining principal.With a good decipline and by putting the tax returnfrom the investment in to the principal will reduce the principal subsatntially.If you don't have the decipline don't even think of this idea.I am an insurance agent, recently I read this SM program while surfing the net, I made my own research and doing it for my clients.I believe now 20 % downpayment can get a mortgage without cmhc insurance.Fora long term investment plan, Manuone with a combination of Segregated fund investment I believe is the best way to pay off the mortgage quickly and investment for the retirement.

The subaccounts expect to invest in positions that emphasize alternative investments or nontraditional asset classes or investment strategies and, as a result, are subject to the risk factors of those asset classes.

Produce hard copies of the detailed information in the individual subaccounts, customizable to your data preferences.

The failure to mention the separate subaccount rule (or the rule for pre-1987 after - tax contributions) was either an oversight or a choice made based on space limitations in the newsletter.

Because you are a young investor, you must apportion most or the entire contract values in what they call as «subaccounts» that invest your funds in stocks, for the reason that their time horizon is lengthy enough to permit them to regain losses incurred in the markets.

The subaccount seeks its dual objectives of capital growth and current income by investing in a combination of value stocks and fixed - income securities.

Because variable annuity subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

Variable annuity subaccounts fluctuate with changes in market conditions; thus, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

The subaccount invests in large U.S. companies with strong revenue and earnings growth prospects.

These subaccounts fluctuate in value with market conditions, and the principal may be worth more or less than the original cost when surrendered.

It's definitely an important move in the right direction, though automatic washing of dividends is important and proper USD subaccounts would be better.

On a sixth transfer during a calendar month, any funds in the savings subaccount will be transferred back to the checking subaccount.