Fixed Index Annuity Comparisons

Wall Street Sign Near Stock Market with American Flags Index Annuity Stock Market Index List

Stock Market Indexes in Index Annuities Compared

In this guide, I will go over the stock market indexes that are available inside of a fixed index annuity as well as the crediting strategies and allocation options. We’ve ran historical hypothetical back-tests and determined which stock market indexes have performed the best historically. 

Over the next couple of minutes, you’ll learn exactly what the historical average annual rate of return is for the top indexes overall and by annuity company.

Allianz Best Performing Stock Market Index Crediting StrategiesRecentBestWorst
Allianz Core Income 7 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25%
7.83%9.10%5.84%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25%
6.30%7.09%4.84%
Allianz 360 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3%
6.09%7.09%4.53%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
7 surrender yrs Rider fee: 1.25%
5.24%5.96%3.96%
Allianz 360 Annuity
2-Year PIMCO Tactical Balanced ER PTP Participation Rate
10 surrender yrs Rider fee: 1.3%
4.90%6.00%4.33%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Cap
7 surrender yrs Rider fee: 1.25%
4.76%5.45%4.69%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
10 surrender yrs Rider fee: 1.3%
4.57%5.20%3.29%
Allianz 360 Annuity
1-Year S&P 500 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum
4.53%4.53%2.23%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3%
4.43%4.98%3.39%
Allianz 360 Annuity
1-Year Nasdaq-100 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum
4.24%4.58%2.26%

Annuity, Crediting Strategy & IndexRecentBestWorst
Index Protector 7 Non-MVA
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.54%5.65%3.94%
AssuranceSelect 7 Plus
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.54%5.65%3.94%
AssuranceSelect 7 Plus
1-Year S&P U.S. Retiree Spending TR PTP Participation Rate
7 surrender yrs Reset: Annual S&P US Retiree Spending (T R)
4.06%5.62%3.95%
Index Protector 7 Non-MVA
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
American Legend 7
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
AssuranceSelect 7 Plus
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
American Legend 7
1-Year S&P 500 PT P Monthly Sum Cap
7 surrender yrs Averaging: Monthly sum Reset: Annual S&P 500® Index
5.18%
5.18%2.42%
American Legend 7
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
3.80%4.72%3.28%
Index Protector 7 Non-MVA
1-Year S&P 500 PT P Cap
7 surrender yrs Reset: Annual S&P 500® Index
3.78%4.38%3.05%
American Legend 7
1-Year S&P 500 PT P Monthly Sum Cap
7 surrender yrs Averaging: Monthly sum Reset: Annual S&P 500® Index
4.35%4.35%2.13%

AIG Best Performing Stock Market Indexes RecentBestWorst
Power Index Preferred
1-Year ML Strategic Balance PTP Participation Rate
5.78%6.95%4.74%
Power Select Plus Income – Lifetime Income Plus Multiplier Flex
2-Year ML Strategic Balanced PTP Spread A
5.66%7.21%4.34%
Power Select Builder
1-Year ML Strategic Balanced PTP Participation Rate
5.58%6.71%4.58%
Power 10 Protector
1-Year ML Strategic Balanced PTP Participation Rate
5.58%6.71%4.58%
Power Select Plus Income – Lifetime Income Plus Multiplier Flex
2-Year AB All Market PTP Participation Rate with Spread
5.39%6.79%4.71%
Power Select Builder
2-Year AB All Market PTP Participation Rate with Spread
5.39%6.79%4.71%
Power 7 Protector
1-Year ML Strategic Balanced PTP Participation Rate
5.26%6.32%4.32%
Power Index Preferred Plus Income with Lifetime Income Plus Multiplier Flex
1-Year ML Strategic Balance PTP Participation Rate
5.26%6.32%4.32%

Athene Best Stock Market Index Options and Crediting OptionsBestRecentWorst
Athene Performance Elite 7
2-Year Nasdaq FC PT P Participation Rate
5.99%6.41%1.91%
Athene Performance Elite 7 Plus
2-Year Nasdaq FC PT P Participation Rate
Bonus: 5% Rider fee: 0.95% Reset: Biennial NASDAQ FC
5.99%6.41%1.91%
Athene Performance Elite 10
2-Year Nasdaq FC PT P Participation Rate
10 surrender yrs Bonus: 2%
5.99%6.41%1.91%
Athene Performance Elite 10 Plus
2-Year Nasdaq FC PT P Participation Rate
Bonus: 8% Rider fee: 0.95%
5.99%6.41%1.91%
Ascent Pro 10
2-Year Nasdaq FC PT P Participation Rate
10 surrender yrs Rider fee: 1%
5.99%6.41%1.91%

North American Best Performing Stock Index and Credting MethodsRecentBestWorst
NAC VersaChoice 10
2-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Biennial Fidelity Multi Factor Yield 5% (ER)
4.77%5.65%3.23%
NAC VersaChoice 10
2-Year S&P 500 MARC 5% ER PTP Participation Rate
10 surrender yrs Reset: Biennial S&P 500 MARC 5% (ER)
4.01%4.82%3.82%
NAC VersaChoice 10
1-Year S&P 500 LV DRC 5% TR PTP Spread
10 surrender yrs Reset: Annual S&P 500 Low Volatility DRC 5% (T R)
3.92%5.07%2.74%
NAC IncomeChoice 10
1-Year S&P 500 MARC 5% ER PTP Spread
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.9%
4.41%3.53%
NAC VersaChoice 10
1-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Annual Fidelity Multi-Factor Yield 5% (ER)
3.76%4.21%2.57%
NAC VersaChoice 10
2-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Biennial Fidelity Multi Factor Yield 5% (ER)
3.61%4.27%2.44%
NAC VersaChoice 10
1-Year S&P 500 MARC 5% ER PTP Participation Rate
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.6%
3.91%3.38%
NAC IncomeChoice 10
1-Year S&P 500 MARC 5% ER PTP Spread
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.55%4.07%3.18%

 

Stock Market Index Allocation OptionBestRecent Worst
F&G Power Accumulator 7
2-Year Balanced Asset 10 PTP Participation Rate with Spread
10.78%9.27%
4.99%
F&G Power Accumulator 10
2-Year Balanced Asset 10 PTP Participation Rate with Spread
10.78% 9.27%
4.99%
SILAC Denali 10 Denali 10 (Most States)
1-Year Credit Suisse RavenPack PTP Participation Rate
9.74%8.84%
7.58%
American Equity AssetShield 10 with Enhancements
2-Year SG Global Sentiment PTP Participation Rate
8.32%10.83% 7.49%
American Equity Asset Shield 10 with Enhancements
2-Year CS Tech Edge PT P Participation Rate
8.27%9.01% 5.49%
SILAC Denali 10 (Most States)
1-Year Credit Suisse RavenPack Boost Spread
8.15%8.98% 7.23%
SILAC Denali 10 (Most States)
1-Year Barclays Atlas 5 PT P Participation Rate
8.13%9.73% 7.21%
Atlantic Coast Life Accumulation Protector Plus
3-Year Credit Suisse PT P Participation Rate
7.85%8.34%6.73%

Stock Market Index Options by Annuity Company

Annuity CompanyAM Best RatingStock Market Index Page
Sentinel Security LifeB++Goldman Sachs Aging of America Dynamic Balance Index (Ticker: SOLAOA)
AIGAS&P 500 (Ticker: SPX)
AIGAAQR DynamiQ Index
AIGAMerrill Lynch Strategic Balanced Index (MLSB)
AIGAPIMCO Global Optima Index PIMGOPT
AIGARussell 2000 Small Cap Market Index .RUT
AIGAMSCI EAFE - Non U.S. and Canada Index EAFE
Allianz LifeA+S&P 500 (Ticker: SPX)
AllianzA+Nasdaq 100 Index
AllianzA+Blackrock iBLD Claria Index (IBLDCLRA)
AllianzA+PIMCO Tactical Balanced ER Index
AllianzA+Bloomberg US Dynamic Balance Index II
American EquityA-S&P 500 Daily Risk Control 2 8% Index
American EquityA-Dow Jones Industrial Average (DJIA)
American EquityA-S&P 500 Dividends Aristocrats Index
American EquityA-S&P 500 (Ticker: SPX)
AtheneAAiPex Performance Index
AtheneAS&P 500 Daily Risk Control 2 8% Index
AtheneANasdaq FC Index (BOFANFCC)
AtheneABNPMAD5 Index
AtheneAS&P 500 Daily Risk Control 5% Index
EquiTrustB++Barclays Focus50 Index (BXIIF50E)
Fidelity & GuarantyA-S&P 500 (Ticker: SPX)
Fidelity & GuarantyA-iShares Real Estate ETF
Fidelity & GuarantyA-Balanced Asset 10 Index
Fidelity & Guaranty A-iShares Core S&P 500 ETF
Fidelity & Guaranty A-Balanced Asset 10 Index. Ticker: CIBQB10E
Fidelity & Guaranty A-Barclays Trailblazer Sector 5 Index (ticker BXIITBZ5)
Global AtlanticAPIMCO Balanced Index PIMBAL
Global AtlanticAMSCI EAFE Non U.S. and Canada Stock Index EAFE
Global AtlanticARussell 2000 Small Cap Index .RUT
Global AtlanticABlackrock Diversa Volatility Controlled Index ^IBLDV7E
Global AtlanticAFranklin U.S. Equity Index FTUSLX
Great AmericanAS&P 500 Daily Risk Control 10% Index
Great American AIShares U.S. Real Estate ETF 1YR
Great AmericanAS&P 500 U.S. Retiree Spending Index
Lincoln Financial A+Fidelity AIM Dividend Index
Lincoln Financial A+S&P 500 Daily Risk Control Index 5%
NationwideA+S&P 500 Daily Risk Control 5% Index
NationwideA+S&P 500
NationwideA+AB Growth and Value Balanced Index
North AmericanA+S&P 500 Low Volatility Daily Risk Control 5%
North AmericanA+S&P MARC 5% ER
North AmericanA+Fidelity Multifactor Yield Index 5% ER
North AmericanA+S&P 500 (Ticker: SPX)
North American A+NASDAQ 100 Index
Oxford LifeA-S&P 500 Index
Oxford LifeA-2 Year Citi Flexible Allocation Index CIISFM6E
PrincipalA+S&P 500 Index SPX
Reliance StandardA+S&P 500 Index
SILAC InsuranceB+Credit Suisse RavenPack
The StandardA+S&P 500 Index SPX

Indexes Available in Allianz Life Index Annuity Contracts

Allianz index annuity logo

Allianz offers seven different stock market index options and three index crediting methods.

Allianz Available Crediting Methods:

  • Annual Point to Point
  • 2 Year Point to Point

Allianz Available Crediting Components

  • Cap
  • Participation Rate
  • Spread

Ticker Symbol: IBLDCLRA

Point to Point with a Participation Rate

The BlackRock Claria® Index is designed to provide exposure to a diversified global equity portfolio which targets volatility at a predetermined level. The index uses a dynamic process whereby it is rebalanced each day to adjust
allocations between the equity and fixed income baskets. 

Using historical 20 and 40-day volatility measures, index capital moves from the equity basket to the fixed income basket or back as historical volatility deviates from the target. The index is constructed from iShares ETFs.

Ticker Symbol: BXIIUDB2

Point to Point with a Participation Rate

The Bloomberg US Dynamic Balance Index II reflects the performance of an index strategy that uses the S&P 500® Index and the Bloomberg Barclays US Aggregate RBI® Series 1 Index. The S&P 500® Index is a well-established benchmark for U.S. equity markets. 

The Bloomberg Barclays US Aggregate RBI° Series 1 Index is designed to track the Bloomberg Barclays US Aggregate Bond Index —a well-established benchmark for the U.S. bond markets.

Every day, the Bloomberg US Dynamic Balance Index II (BXIIUDB2) dynamically allocates between the S&P 500® Index and the Bloomberg Barclays US Aggregate RBI® Series 1 Index based on their historical realized volatility (a measure of the magnitude of daily movements, regardless of direction, of an index).

 

Allianz Life's Best Annuities Based on Returns

Allianz Best Performing Stock Market Index Crediting StrategiesRecentBestWorst
Allianz Core Income 7 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25%
7.83%9.10%5.84%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
7 surrender yrs Rider fee: 1.25%
6.30%7.09%4.84%
Allianz 360 Annuity
2-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3%
6.09%7.09%4.53%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
7 surrender yrs Rider fee: 1.25%
5.24%5.96%3.96%
Allianz 360 Annuity
2-Year PIMCO Tactical Balanced ER PTP Participation Rate
10 surrender yrs Rider fee: 1.3%
4.90%6.00%4.33%
Allianz Core Income 7 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Cap
7 surrender yrs Rider fee: 1.25%
4.76%5.45%4.69%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II PTP Spread
10 surrender yrs Rider fee: 1.3%
4.57%5.20%3.29%
Allianz 360 Annuity
1-Year S&P 500 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum
4.53%4.53%2.23%
Allianz 360 Annuity
1-Year Bloomberg US Dynamic Balance II ER PTP Participation
10 surrender yrs Rider fee: 1.3%
4.43%4.98%3.39%
Allianz 360 Annuity
1-Year Nasdaq-100 PT P Monthly Sum Cap
10 surrender yrs Rider fee: 1.3% Averaging: Monthly sum
4.24%4.58%2.26%

Great American Life Insurance Co. Indexes

Great american annuity logo

Great American offers five different stock market indexes and two separate index crediting components. 

GALIC Available Crediting Methods:

  • Annual Point to Point

Available Crediting Components

  • Cap
  • Participation Rate

Great American Stock Market Index Options:

Great American's Best Performing Stock Market Index and Crediting Method

Annuity, Crediting Strategy & IndexRecentBestWorst
Index Protector 7 Non-MVA
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.54%5.65%3.94%
AssuranceSelect 7 Plus
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.54%5.65%3.94%
AssuranceSelect 7 Plus
1-Year S&P U.S. Retiree Spending TR PTP Participation Rate
7 surrender yrs Reset: Annual S&P US Retiree Spending (T R)
4.06%5.62%3.95%
Index Protector 7 Non-MVA
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
American Legend 7
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
AssuranceSelect 7 Plus
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
4.17%5.19%3.61%
American Legend 7
1-Year S&P 500 PT P Monthly Sum Cap
7 surrender yrs Averaging: Monthly sum Reset: Annual S&P 500® Index
5.18%
5.18%2.42%
American Legend 7
1-Year S&P 500 Average DRC 10% PR PTP Participation Rate
7 surrender yrs Reset: Annual S&P 500 Average DRC 10% (PR)
3.80%4.72%3.28%
Index Protector 7 Non-MVA
1-Year S&P 500 PT P Cap
7 surrender yrs Reset: Annual S&P 500® Index
3.78%4.38%3.05%
American Legend 7
1-Year S&P 500 PT P Monthly Sum Cap
7 surrender yrs Averaging: Monthly sum Reset: Annual S&P 500® Index
4.35%4.35%2.13%

AIG Best Stock Market Indexes

Aig logo

AIG offers 7 different stock market indexes and three separate index crediting strategies. 

AIG Available Crediting Methods:

  • 2 Year Point to Point
  • Annual Point to Point

AIG Available Crediting Components

  • Cap
  • Participation Rate
  • Spread

AIG Available Stock Market Indexes:

AIG's Best Performing Stock Market Index and Allocation Option

AIG Best Performing Stock Market Indexes RecentBestWorst
Power Index Preferred
1-Year ML Strategic Balance PTP Participation Rate
5.78%6.95%4.74%
Power Select Plus Income - Lifetime Income Plus Multiplier Flex
2-Year ML Strategic Balanced PTP Spread A
5.66%7.21%4.34%
Power Select Builder
1-Year ML Strategic Balanced PTP Participation Rate
5.58%6.71%4.58%
Power 10 Protector
1-Year ML Strategic Balanced PTP Participation Rate
5.58%6.71%4.58%
Power Select Plus Income - Lifetime Income Plus Multiplier Flex
2-Year AB All Market PTP Participation Rate with Spread
5.39%6.79%4.71%
Power Select Builder
2-Year AB All Market PTP Participation Rate with Spread
5.39%6.79%4.71%
Power 7 Protector
1-Year ML Strategic Balanced PTP Participation Rate
5.26%6.32%4.32%
Power Index Preferred Plus Income with Lifetime Income Plus Multiplier Flex
1-Year ML Strategic Balance PTP Participation Rate
5.26%6.32%4.32%

Indexes Available in Athene Annuities

Athene annuity logo

Athene offers five different stock market index options and three separate index crediting strategies. 

Athene Crediting Strategies

  • Annual Point to Point
  • 2 Year Point to Point

Athene Crediting Methods:

  • Cap
  • Participation Rate

S&P 500 Ticker Symbol: SPX

S&P 500 Daily Risk Control 2 8%TM Index (Total Return) Ticker Symbol: SPX8UN2

The S&P 500 Daily Risk Control 2 8% Index strives to deliver stable, risk-adjusted returns in all environments. Represents a portfolio of the S&P 500® plus a liquid bond index. This volatility control index targets a volatility level of 8%. Rebalanced daily.

Nasdaq FC Index  Ticker Symbol: BOFANFCC

Point to Point with a Participation Rate

The Nasdaq FC utilizes Patent-pending FC technology is designed to adapt to constantly changing economic conditions more quickly and efficiently than traditional volatility control mechanisms. 

The Nasdaq FC Index applies this capability to the stocks in the Nasdaq-100. It aims to increase returns by rebalancing throughout the day to manage exposure to the Nasdaq-100. 

The Nasdaq FC Index strives to realize growth potential by targeting 12.5% annualized volatility.

BNP Paribas Multi Asset Diversified 5 Index  Ticker Symbol: BNPIMAD5

Point to Point with a Participation Rate

The BNPIMAD5 is a dynamic and diversified index from a global banking powerhouse.


Eight underlying components including equity futures, bond futures, and commodity indices provide exposure to a range of asset classes across three geographic regions. A volatility feature targets a volatility level of 5%. Rebalanced daily.

AI Powered US Equity Index  Ticker Symbol: AIPEX

Point to Point with a Participation Rate

AiPex is a smart large-cap equity strategy built by IBM Watson.®

Each month, AiPEX selects approximately 250 equity stocks from the 1,000 largest U.S. companies using a scoring system that evaluates financial health and management strength as well as market sentiment, economic and geopolitical risks.

It then weights each company, assigning the largest weight to those with the highest scores.

Athene's Best Performing Stock Market Index Options

Athene Best Stock Market Index Options and Crediting OptionsBestRecentWorst
Athene Performance Elite 7
2-Year Nasdaq FC PT P Participation Rate
5.99%6.41%1.91%
Athene Performance Elite 7 Plus
2-Year Nasdaq FC PT P Participation Rate
Bonus: 5% Rider fee: 0.95% Reset: Biennial NASDAQ FC
5.99%6.41%1.91%
Athene Performance Elite 10
2-Year Nasdaq FC PT P Participation Rate
10 surrender yrs Bonus: 2%
5.99%6.41%1.91%
Athene Performance Elite 10 Plus
2-Year Nasdaq FC PT P Participation Rate
Bonus: 8% Rider fee: 0.95%
5.99%6.41%1.91%
Ascent Pro 10
2-Year Nasdaq FC PT P Participation Rate
10 surrender yrs Rider fee: 1%
5.99%6.41%1.91%

North American Company (NAC) Indexes

North american annuity logo green leaf with green circle around it on white background

North American offers seven stock market index options and two crediting methods in its index annuities.

Crediting Strategies

  • Annual Point to Point
  • 2 Year Point to Point

North American Crediting Methods:

  • Cap
  • Participation Rate

North American Stock Market Indexes Options:

 

Fidelity Multifactor Yield Index 5% ER

Ticker Symbol: FIDMFYDN

Point to Point with a Participation Rate

A rules-based index that blends six equity factor indices with U.S. Treasuries, and uses a dynamic allocation approach that seeks to reduce volatility to deliver more consistent returns over time.  

Fidelity boasts one of the largest research teams in the industry, with more than 350 global equity, fixed income, and asset allocation research professionals.

S&P 500 Marc 5% ER

Ticker Symbol: SPMARC5P

  • Point to Point with a Cap Rate 
  • Point to Point with a Spread

The S&P Multi-Asset Risk Control 5% Excess Return Index (S&P MARC 5% ER) strives to create more stable index performance through diversification, an excess return methodology, and volatility management. 

North American's Best Performing Stock Market Indexes

North American Best Performing Stock Index and Credting MethodsRecentBestWorst
NAC VersaChoice 10
2-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Biennial Fidelity Multi Factor Yield 5% (ER)
4.77%5.65%3.23%
NAC VersaChoice 10
2-Year S&P 500 MARC 5% ER PTP Participation Rate
10 surrender yrs Reset: Biennial S&P 500 MARC 5% (ER)
4.01%4.82%3.82%
NAC VersaChoice 10
1-Year S&P 500 LV DRC 5% TR PTP Spread
10 surrender yrs Reset: Annual S&P 500 Low Volatility DRC 5% (T R)
3.92%5.07%2.74%
NAC IncomeChoice 10
1-Year S&P 500 MARC 5% ER PTP Spread
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.9%
4.41%3.53%
NAC VersaChoice 10
1-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Annual Fidelity Multi-Factor Yield 5% (ER)
3.76%4.21%2.57%
NAC VersaChoice 10
2-Year Fidelity Multifactor Yield 5% ER PTP Participation R
10 surrender yrs Reset: Biennial Fidelity Multi Factor Yield 5% (ER)
3.61%4.27%2.44%
NAC VersaChoice 10
1-Year S&P 500 MARC 5% ER PTP Participation Rate
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.6%
3.91%3.38%
NAC IncomeChoice 10
1-Year S&P 500 MARC 5% ER PTP Spread
10 surrender yrs Reset: Annual S&P 500 MARC 5% (ER)
3.55%4.07%3.18%

Best Stock Market Indexes & Allocation Options

You may reallocate available funds at the end of each crediting period on your contract anniversary. You have 30 days to submit a re-allocation form – if you do not, your allocations will remain the same as the previous year.

It is important to note that a fixed index annuity is an insurance contract issued by an insurance company and is not a security. As such, they will not generate equity-like returns. They are a good retirement savings vehicle that provides a safe and steady way to grow your retirement savings. 

Fixed Index Annuities do not have any fees in general; however, there are optional income riders, long term care riders, and death benefit riders that can be added to an index annuity for a fee. 

Gains are limited by a crediting method or “limiting factor”, index annuity contracts can be complex, contracts vary greatly from insurance company to company, highly customizable, surrender penalties for withdrawals above the annual free withdrawal provision, pre 591/2 tax penalties, and crediting factors can change on the contract anniversary date.

An Uncapped Fixed Index Annuity refers to an indexed annuity with a crediting method that does not cap the interest your account can be credited in any given year. 

The below table lists the stock market index, annuity, and crediting strategies that have the best performance based on hypothetical backtesting. 

The “Best” column shows the average rate of return for the 

  • best 10 year period 
  • most recent 10 year period, and  
  • worst 10-year period

Our 10 Best Fixed Index Annuity Companies List is also a good resource to help you narrow down the best which index annuity is best for you.

Stock Market Index Allocation OptionBestRecent Worst
F&G Power Accumulator 7
2-Year Balanced Asset 10 PTP Participation Rate with Spread
10.78%9.27%
4.99%
F&G Power Accumulator 10
2-Year Balanced Asset 10 PTP Participation Rate with Spread
10.78% 9.27%
4.99%
SILAC Denali 10 Denali 10 (Most States)
1-Year Credit Suisse RavenPack PTP Participation Rate
9.74%8.84%
7.58%
American Equity AssetShield 10 with Enhancements
2-Year SG Global Sentiment PTP Participation Rate
8.32%10.83% 7.49%
American Equity Asset Shield 10 with Enhancements
2-Year CS Tech Edge PT P Participation Rate
8.27%9.01% 5.49%
SILAC Denali 10 (Most States)
1-Year Credit Suisse RavenPack Boost Spread
8.15%8.98% 7.23%
SILAC Denali 10 (Most States)
1-Year Barclays Atlas 5 PT P Participation Rate
8.13%9.73% 7.21%
Atlantic Coast Life Accumulation Protector Plus
3-Year Credit Suisse PT P Participation Rate
7.85%8.34%6.73%

Index Annuity Crediting Methods Explained

Annual Point-to-Point Index Annuity Crediting Method

Annual point to point uses the stock market index value from only two points in time making it simple and straightforward to calculate.

Subtract the index value at the end of the year from the index value at the beginning of the year.

Fixed Index Annuity Example:

#1. 107,000(ending value) minus 100,000(beginning value) = 7,000 positive change in index value.
#2. 7,000 (index value change) divided by 100,000(beginning index value) = 7% stock market index performance.
#3. A cap, spread or participation rate is applied to the indexes performance to determine how much interest you earn that year.

Annual point to point chart for index annuity crediting method

Lets assume the rates for the 3 fixed index annuity crediting strategies are:

  • Spread – 2.00%
  • Cap – 5.00%
  • Participation Rate – 75%
  1. Cap = 5% Interest credited (100% of index performance up to the cap)
  2. Spread = 5% Interest credited (index performance minus the spread)
  3. Participation Rate = 5.25% Interest Credited (index performance)

About Hypothetical Historical Depictions

Some of the hypothetical index performance on this page is for indices that were not in existence for the entire time period during which hypothetical projections were made.

All information presented before this launch date is hypothetical (back-tested), and back-tested performance is not actual performance.

The back-tested performance is based on the methodology and mechanics of the index retroactively applied to historical market data, as if the index had previously existed, to generate hypothetical performance during the periods of time depicted.

This back-tested performance for any constituent that makes up the index may have actual performance and history, and it will also have back-tested data for any period before its inception.

Back-tested performance may not be a reliable indicator of future results. Prospective application of the methodology and mechanics of the index may not result in performance commensurate with the back-tested returns shown.

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