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The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement.
Today I will dig deep into the American Equity Bonus Gold Annuity which has been requested by several readers in recent weeks.
It is one of the best selling indexed annuities of all-time.
This is the biggest percentage increase of any form of annuity.
You will often hear that annuities are sold, not bought.
This is exactly why I will go in depth into some of the most popular annuities because there is shockingly little information available about them.
Most of the information comes from the companies that sell the annuities and they gloss over the fees, risks and downsides.
More importantly, annuities have grown into extremely complex instruments which even the most season professional may have trouble deciphering.
Indexed annuities, once considered the black sheep of retirement products, have a history of being so complex that they were a focal point of litigation and regulatory action in the 2000s.
Insurers paid millions in fines.
While the negative attention led to a change for the better among the carriers, indexed annuities are still complex and difficult to truly understand for many investors.
It is of the utmost importance to make an informed decision.
This annuity has one of the longest and most onerous surrender periods that I've ever seen so before you sign on the dotted line, you better be 100% sure you are making the right decision.
Perspective That You Can Trust I am writing this blog from the perspective as a curious analyst.
I am totally impartial as I am a fee only registered investment advisor.
I don't get paid to sell annuities nor do I personally sell them.
I hope to bring a unique perspective to this topic drawing on my years of experience analyzing companies as a research analyst.
While many investment professionals hate annuities, I do not believe that they are all bad and some of them can make sense as a small part of your investment portfolio.
Annuities should never, I repeat never, be the large majority of your portfolio because of their lack of liquidity which is one of their biggest https://money-jackpot-free.website/american/american-hot-slot-play-online.html />Issuer Review: American Equity Investment Life It is important to look at the issuer of the annuity first because annuities are NOT a guaranteed investment.
This is important to note so I will say it one more time.
Annuities are NOT guaranteed.
State Guaranty Associations offer some protections but the levels vary state to state.
American Equity Investment Life was formed in 1981 and became a public company in 2003.
As per the company website, it has over 23,000 active agents and 350,000 policy holders.
It is 3 all-time in indexed american equity bonus gold illustration sales.
Most recently, Fitch reaffirmed its rating in November of 2014.
Fitch stated " The affirmation of AEL's ratings reflects high https://money-jackpot-free.website/american/american-poker-slot-free.html quality within AEL's bond portfolio, continued good operating results, adequate risk-adjusted capitalization and the company's strong click the following article position in the fixed indexed annuity market.
The rating also reflects AEL's high, albeit declining financial leverage, above-average exposure to interest rate risk and lack of diversification in earnings and distribution.
So let's take a deeper dive into the details.
Surrender fees go for 16 years and are over 10% for the first 12 years!
This is essentially illiquid for those years unless you just want to give your money away to American Equity.
On the bright side, you can withdraw 10% penalty free per year after your first contract anniversary.
They also have two riders that american equity bonus gold illustration available if you wind up in nursing care or have a terminal illness with less than a year to live.
I believe surrender fees are one of the worst features of annuities.
These are huge lockup fees and if you need the money, they sock it to you.
This is why annuities should NEVER be a significant part of your investment portfolio because they are essentially illiquid for many years.
Unless you are positive you will not need access to these funds, then annuities are NOT for you.
This indexed annuity also called an equity-indexed annuity, fixed-index annuity or hybrid annuity will likely be packaged around these main components: 1.
Guaranteed income for life with LIBR lifetime income benefit rider Like most index annuities, agents likely appeal to your sense of fear for the stock market and potential downside risks.
On the positive side, this annuity will protect you from downside and can provide income for life.
While this is certainly true, one of the biggest issues is that there is a lot of miscommunication and misunderstanding between agents and potential buyers.
This is a huge issue and can lead to very unhappy buyers because their expectations aren't met later and due to the long surrender period they are locked in for a very long time.
Because the roll up rate on the LIBR can be 6.
A consumer watchdog reporter just came to me with this type of example where a 70 year old buyer believed he would earn a 6% return with no downside risk and was shocked after one year when his return was essentially flat.
His mistake was not knowing the difference between account value and income account value.
There is a huge difference.
If your agent explains this annuity correctly, you should understand the nuances and you should never get the impression that you'll earn more than 5% returns in today's zero rate environment.
Based on current caps and participation rates, the more realistic expectation for returns is in the 2-4% range and I would guess that it would be at the lower end of that range given historically low yields in the bond market.
While the 10% bonus vests immediately, American American equity bonus gold illustration protects itself by setting double-digit surrender fees for the first 12 years of this annuity.
Let's dig into this annuity so you have a better understanding of the nuts and bolts.
Interest Crediting Options It is important to understand that you are not investing in the underlying securities of any index.
With index annuities, you are not making investment choices like a variable annuity.
Your interest crediting options are mathematical formulas that the insurance company is using to attract you into buying xyz annuity.
The insurance company invests your money in whatever they choose likely diversified, conservative investments.
They just have to earn a return higher than their mathematical formula or interest crediting option so they can pay you, their sales force, marketing, operations, etc.
This is why index annuities will only generate low single digit returns.
For the Bonus Gold annuity, you may select from bond, equity and fixed interest crediting methods.
To make it a bit more complex, you have different crediting methods: monthly point to point crediting, annual point-to-point crediting, annual monthly average crediting, price triggered, bond yield with cap, volatility control and fixed interest.
So let's dig a bit deeper into your choices.
As of January 1st 2015, the Fixed interest allocation american equity bonus gold illustration currently paying 1.
This is slightly better than a 5-year Treasury Note at 1.
You can likely beat the fixed account on your own.
So onto the Indexed interest options.
Many salespeople may sell you on high returns but none of these options will deliver much more than 3% returns.
If someone is promising higher returns above 5% then you need to find a more honest agent.
Whatever option and crediting method you choose, you will likely make around 1-3% over the long term.
I will illustrate this for you.
Please note that backtesting is not utilized by American Equity.
All illustrations that follow are performed by the author given rates at the time of publication these are subject to change over time.
This cap can be changed after the 1st year of your contract.
There is no cap on negative months.
At the end of the year, the totals are added up and that is your return for the year.
If it is negative, you don't lose anything.
In the Bonus Gold Annuity, if you selected monthly point to point crediting, you would be credited with a gain of just 2.
If you selected the annual point-to-point crediting option, you would receive 3.
It is important that note that American Equity can change your caps after your contract anniversary.
However as you can see, all of these options produced between 1.
Some agents will pitch the bond yield with cap as most index annuities aren't providing a bond option.
This appeals to people that fear the stock market and believe that the bond market is more stable.
On each contract anniversary, the https://money-jackpot-free.website/american/african-money-in-american.html price is compared to the bond price on the previous anniversary.
The index credit is based on the decrease in the bond price.
The Continue reading interest credit calculation is determined by first applying the cap 2.
This option will do alright in a rising rate environment but in a year like 2014 where yields declines and prices rose, you would not fare well.
If you have additional questions about these options, please submit a question using our.
We will answer your questions as soon as possible often under 24 hours via email.
No strings attached, just a little free help to point you in the right direction.
Who should buy this product?
In summary, the Bonus Gold Annuity is something to consider for someone that doesn't want to worry about market volatility, wants a guaranteed income stream and is happy with low single digit returns of roughly 1-3% which most indexed annuities will return.
The annuity can make sense for an extremely conservative investor who is looking for guaranteed income with no market risk.
This product will work best for those that are in good health and have a family history of longevity.
If you can live to your late 90s, then the guaranteed income stream will pay off nicely.
However for most of us that live an average lifespan or even into your 80s, then a conservative portfolio of stocks and bonds will likely be a better choice in terms of return and with much higher liquidity.
Be sure to evaluate how it fits into your entire investment strategy and how it will help you reach your financial goals.
In the end, all of the interest crediting options will pay roughly 1-3% over a full market cycle.
Don't buy into any sales pitch that is promising rates of return of 6-10% or more.
It just isn't possible to generate 10% returns with no downside risk.
If anyone promises you even 6%+ returns for this annuity, don't just walk away, run for the door read article find a new advisor.
For American Equity to pay 6% on this annuity, they would have to earn 9%+ on their own investment portfolio so they could pay you as well as their salespeople, marketing and overhead, not to mention to earn a profit themselves.
Commissions are very lucrative for agents selling the Bonus Gold up to 9% so be sure that you make the right american equity bonus gold illustration for you, not for their benefit.
Thanks for sticking with me on this incredibly long blog post.
I learned a lot in my research process and I hope you are able to make a more informed investment decision because of it.
Since annuities lock you into a long term contract with stiff surrender fees, please be sure to take your time to make the best possible decision for you and your family.
Have questions about this Annuity?
If you're considering this annuity and have additional questions, feel free to reach out.
You can contact us via our.
We will answer your questions as soon as possible often within 24 hours via email.
No strings attached, just a little free help to point you in the right direction.
If you have questions about this annuity, please share them in the comments section below or visit our to submit a question.
IMPORTANT DISCLOSURE INFORMATION Please remember that past performance may not be indicative of future results.
Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Runnymede.
Runnymede is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice.
A copy of the Runnymede's current written disclosure Brochure discussing our advisory services and fees is available for review upon request.
Please Note: Runnymede does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Runnymede's web site or blog or incorporated herein, and takes no responsibility for any such content.
All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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At first glance, the opportunity to receive a 10% bonus is a very attractive, but beware… This annuity has a very long surrender period!
One of the longest in the industry today, this annuity has very low caps and participation rates.
With such a long surrender period this is one you may have to live with the remainder of your retirement years.
So we put this in the Best Use category for Income or Long Term Care.
December 2017 Type: Fixed Index Best Use: Income, Long Term Care Company: American Equity Investment Life Ins Co.
American Equity is a solid U.
They are one of the leading index annuity companies in the industry with over 41 billion in play slot machine online />Started in 1995, American Equity has achieved remarkable growth, becoming 3 overall in index annuity sales.
American Equity is definitely a very good and fair company that has always had very consistent renewal rates.
So from a company standpoint they are a solid choice.
Annual Point to Point Bond, 5.
A lot of choices are available with the Bonus Gold, so how do you know what is the best option and what exactly have the returns been with the current cap rates?
These are the highes t 10-year annualized returns over the last 20 years of the market, 1996 through 2016.
The lowest 10-year return was 1.
Since this is a 16-year contract, can we say best case 2.
If we add in the 10% bonus, best case would be a total annualized return of 3.
American Equity offers this rider with 3 choices: 6% guaranteed for 10 years and a declared rate for the remaining 10 years To be determined at that time with a.
This is known as their Wellbeing Benefit Rider and has a fee of 1%.
With the last option the rider rollup rate is determined by the index gain in the account value.
Currently they are crediting 400% of the gain american equity bonus gold illustration the account value, so for example if the gain is 2% the rollup rate will be 8%.
This is only guaranteed for the first year and could change.
Also in years there are not index gains then the rider will not have any gains as well.
The cost for this rider is.
Keep in mind the fee is based on the higher Income Account Value, which is a hypothetical number used to calculate income and not the actual account value, which american equity bonus gold illustration your real money.
Over time the fees for the riders can add up significantly.
So which option is the best?
First of all since the indexing option is simply index gains, and since we have already determined a best case scenario for the best performing index option, the low volatility index, has averaged at best, a 2.
Unfortunately American Equity will only guaranteed the 400% index credit to the rider for one year, so this could change significantly.
At this point since it is a total unknown, there is a risk that this could underperform significantly in the future.
If you expect to take income within 10 years, and you want a guarantee, then the 6% rider is the best option.
IF this is the case there are far better product options out there that will guarantee the returns far better then just one year.
With the Bonus Gold, both the account value and the income value will receive the 10% bonus.
Is using the LIBR a good option for Joe and Jane?
The balanced portfolio would need to earn an annualized return of 7.
If you think that you can do better investing your funds in the market then using an annuity may link be the best choice.
What is nice about the LIBR is it is guaranteed and Joe and Jane know exactly what their income will be at age 70 so they can plan accordingly.
If they decided to add the Well Being Rider that doubles for long term care needs then this starts to look even better.
So for younger people the rider works out well, if the rider has time to work over time.
If Joe and Jane looked to turn on their income within the first few years, we have found the rider is less valuable and instead a good accumulation annuity may be a better option.
We have done extensive research on using riders compared to just using a good accumulation annuity, and this should be part of your analysis before your decide to purchase an income rider.
Long Term Care Benefits Another option within the choices of the Lifetime Income American equity bonus gold illustration Rider is the Wellbeing Benefit which doubles the income payment if one is unable to perform 2 out of 6 activities of daily living, if a single payout option is chosen.
If a joint payout is selected then the payout decreases to 150% of the income amount.
This benefit can be utilized anytime after the first two years of the initial contract date of the annuity, and will double the benefits for 5 years.
Compared to other Income Riders with LTC benefit, where American Equity falls short, is with the payout only increasing by 150% for the joint payout.
There are other LTC Income riders that will double the payment even with a joint payout.
There are a number of considerations you should keep in mind regarding the Long Term Care benefits within the rider.
One is if the accumulation value of the annuity goes to zero, due to withdrawals, the doubler will no longer be available.
There are a few lncome Riders with the Long Term Care doubler, where the doubler will continue even if the account value reaches a zero balance.
This can be important share american original slot machines excellent older ages after receiving income for many years.
American Equity does allow the LTC benefit of the rider to be used even if a spouse is not listed on the contract, which is a nice feature.
Overall the LIBR with American Equity has offered a reasonably competitive Income Rider and with the LTC feature it stacks up well with the competition and in some cases may be the best option for providing a Guaranteed Lifetime Income.
Shop Income Riders Before You Decide How do I know if the Bonus Gold with the LIBR from American Equity is the highest income available today?
It is a very competitive marketplace for income riders, and it varies considerably depending upon your age and when you expect to take income, so the only way you will know is we need to run a report against all the riders in the industry today to find the best opportunity for american equity bonus gold illustration />We have the ability to provide you this report free of charge so fill out the form and make sure your getting the best deal before you commit yourself for 16 years!
For an accumulation annuity, the Bonus Gold falls short, with very low cap rates and only one uncapped point to point option with anything substantial, the Low Volatility Index, which has a pretty high asset fee of 3.
Buyer beware, as the sound of a 10% bonus sounds very appealing, but has the rest of the story been told to you regarding what type of returns you can expect?
Here is an example of where it really pays to shop before signing on for 16 years!!
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