It’s as easy as 1-2-3! Take 5 minutes to read this, it’ll be worth your time.

The historic annualized average of the S&P 500 since inception is around 10% But that’s the average. On any given year, markets can be down, below average, or above average. Which one will 2024 be? That’s just it, we don’t know!

While we have many index options available, a popular strategy we’re seeing is leveraging a 50%/50% allocation between the S&P Performance Triggered Account and S&P Participation account.

Consider OptiBlend 7 (100k+ rates) 1 Year S&P 500 Performance Triggered Account currently at 9% to help in years when the performance is below average, and the 1 Year S&P 500 PAR currently at 60% for the years when the market is above average to help you get more growth opportunity!

It’s as easy as 1-2-3!

(Assumes current OptiBlend 7 rates for 100k+, values taken from attached illustration)

If the markets are down, you have 100% downside protection when the S&P is negative.
If the markets are below average, leveraging the Performance Triggered account allows you to get a credit of 9% as long as the S&P 500 is flat or up for the contract year.
2011: 0.41% credits 9%
2007: 2.16% credits 9%
2005: 5.55% credits 9%
If the markets are above average (S&P 500 examples from attached illustration) utilizing the S&P 500 PAR currently at 60% can help you secure more growth!
2023: 26.29%* credits 15.77%
2021: 29.61%   credits 17.77%
2019: 29.79%   credits 17.88%
2013: 25.27%   credits 15.16%

I’ve included the OptiBlend 7 illustration using a 50/50 allocation between the 1 Year S&P Trigger that can you capture more upside in a below average market year and the 1 Year S&P 500 PAR when the market has an above average year to help you more capture growth!

OptiBlend FIA 1-2-3!