Tripple Laddering
You can create a retirement strategy with annual crediting period1 opportunities, potential for higher participation rates2 in longer periods and multiple beginning index values.
Laddering: Spread initial investment over one-, two- and three-year options in a Marquis SP and Marquis Centennial multi-asset class index.
Benefits: Six annual crediting opportunities in six years. And, renewals into longer periods offer the potential for higher participation rates than shorter periods. Also, take advantage of beginning index value points with each renewal.
1 Crediting Period: The period over which the performance of an index is measured and used as part of a formula to determine the interest credited to an indexed interest option. The first crediting period begins on the sweep date. Each indexed interest option (including each allocation to a multi-year indexed interest option) has its own crediting period. The end of one crediting period marks the beginning of the next. A crediting period is never less than one year.
2 Participation Rate: The percentage of any index increase or decrease that is applied to the formula for determining the interest rate credited to the account value in a given indexed interest option for its crediting period. The participation rate is never below 10%. The participation rate can exceed 100%. Your annuity value will not be credited with the full amount of the index return if the participation rate is less than 100%.