What is the Performance Analyzer?

Easily filter, sort, and compare a wide range of annuities with just a few clicks.

With our performance analyzer, you can instantly explore real-return annuity products using NAIC back testing or last month . Showcase various index options and their projected performance under different market conditions. Explain the reasoning behind your recommendation to support informed decision-making.

This tool can be used to explain how Fixed Index Annuities allow individuals to grow their wealth securely without the risk of market fluctuations. It emphasizes the benefits of tax-deferred growth, higher returns on safe investments, and protection from market volatility, making it ideal for those seeking stable financial growth with no exposure to market risks.

It can be applied in:

1. Retirement Planning: Demonstrating how Fixed Index Annuities can provide steady growth for retirement savings with minimal risk.
2. Financial Education: Helping individuals understand how Fixed Index Annuities work and their advantages in growing money safely.
3. Marketing Financial Products: Promoting Fixed Index Annuities as a secure option for wealth accumulation, offering a balance of growth potential and safety.

The information calculates the annualized rate of return, which is the average rate of return over 10 years, considering the effect of compounding.

To find a specific carrier or annuity product, type it in here. Be sure to avoid spaces and enter it correctly, as the way you type will affect the search results.

The level of detail will display the hypothetical historical performance (annualized rate of return) for:

1. All annuity options being considered
2. Annuities that have historically demonstrated the strongest returns
3. Annuities from leading carriers, along with the performance data of the indices they are linked to

What are account Fees? Some annuities come with strategy options that charge a fee. Usually, the fee is there because the strategy offers benefits like higher participation rates or other special features. This fee is generally taken out of the account value once a year.

Common question we get: Under 'Account Fees,' when it shows the fees, like a 1.25% fee for a carrier on some of their indexes, When you click on the historical rates, showing the best, worst, etc., over the last 10 years—such as 13%—is that figure before or after the fee is deducted?

Rider fees are charges for any additional features or options included with your annuity. If you're new to the platform, here’s how you can find them:

1. Click on the three dots in the action menu and select “Annuity Info.”
2. Then, go to the “Riders” tab.

This will display the fees and provide details on what each one covers.

• The performance analyzer shows the historical performance of the indexed strategy including the index returns with the strategy rates (cap, spread, participation rates, etc.) applied. However it does not account for allocation fees. This is similar to the information you will find at the bottom of any carrier illustration that will show the (last-recent/best/worst) 10-year performance of any strategy you have allocated to.

Our illustrations depict it in the following manner:

You can see this explanation by clicking the orange "What is it?" pop-up in the Performance Analyzer:

Common question we get: When I click on "Historical Performance" on certain indexes that have only been around for a couple years, why does it show 10, 20 year or more performance? 

• With many indexes that were incepted recently, the index provider will provide hypothetical back tested data based on the components of the index. The actual real returns begin on the inception date. Some advisors consider the hypothetical data to be unrealistic or unreliable and will only use indexes that have been in existence for 10 years or longer.

Here’s an explanation of that information from the index provider's website:

Disclaimer: This information is subject to change and is provided for educational purposes only. You are encouraged to do your own due diligence. If you have any questions, please feel free to contact us at support@annuitiesgenius.com or call us at 949-600-7707.