How One Simple Strategy Beats CDs – with Rates as High as 10.25%

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“Cash is king,” but when taxes and inflation are factored in, 12-month CDs have provided negative real returns in 16 years out of a 20-year period.1 

For clients who need protection AND growth potential, consider what we invented in 2003: a trigger strategy with a Lincoln fixed indexed annuity. 

How do triggers stack up to CD rates? 

  • Today’s rates are as high as 10.25%—plus, the growth is tax-deferred. Get the rates.
  • The trigger just needs to credit 50% of the time CD (based on the assumption of a 4.5% CD rate and a trigger rate of 9.0% or higher).
  • The trigger tracks the S&P 500 Daily Risk Control 10% Index, which has been positive more than 78% of the time since inception.2
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1 Source: Hartford Funds, Bloomberg, FactSet. Past performance does not guarantee future results, 1/24.  

2 Source: S&P Dow Jones Indices. Performance is based on 3,683 rolling one-year periods since inception on May 13, 2009, through December 31, 2024, of which 2,857 were positive. Past performance is no guarantee of future results.