The ‘Secret’ to Deciding on a Successful Crediting Method
Actuaries design the crediting methods available to you to give the carrier a strong profit (in the long run) from the growth in the index you use. This is not bad, per se, since they also guarantee against market losses and guarantee income for even extraordinarily long lives, even when your cash value exhausts. So, is there a secret to picking the likely best interest crediting method? Yes, if you are right about how volatile the index is likely to be over the coming year until you can switch crediting methods. Looking back at past performance, compared to the resulting interest credited for differing crediting methods, I have observed distinct patterns….
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