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Minimum Guaranteed Returns 10/04
Quick, what does 2.25% interest on 90% of the premium grow to in 7 years? What is the equivalent bank rate to the annualized return produced by 3% interest on 80% of premium for 12 years?
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Effective Annual Return @ Interest Compounded On
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Premium |
5 Yrs |
6 Yrs |
7 Yrs |
8 Yrs |
9 Yrs |
10 Yrs |
11 Yrs |
12 Yrs |
13 Yrs |
14 Yrs |
15 Yrs |
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3% @ 100% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
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3% @ 90% |
0.85% |
1.21% |
1.46% |
1.65% |
1.80% |
1.92% |
2.02% |
2.10% |
2.17% |
2.23% |
2.28% |
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3% @ 80% |
negative |
negative |
negative |
0.17% |
0.48% |
0.73% |
0.93% |
1.10% |
1.25% |
1.37% |
1.48% |
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2¼% @ 100% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
2.25% |
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2¼% @ 90% |
0.12% |
0.47% |
0.72% |
0.91% |
1.06% |
1.18% |
1.28% |
1.36% |
1.43% |
1.48% |
1.53% |
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2¼ @ 80% |
negative |
negative |
negative |
negative |
negative |
negative |
0.20% |
0.37% |
0.51% |
0.63% |
0.74% |
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2% @ 100% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
2.00% |
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2% @ 90% |
negative |
0.23% |
0.48% |
0.67% |
0.81% |
0.93% |
1.03% |
1.11% |
1.18% |
1.24% |
1.29% |
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2% @ 80% |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
0.12% |
0.26% |
0.39% |
0.49% |
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1¾% @ 100% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
1.75% |
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1¾% @ 90% |
negative |
negative |
0.23% |
0.42% |
0.57% |
0.68% |
0.78% |
0.86% |
0.93% |
0.99% |
1.04% |
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1¾ @ 80% |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
0.02% |
0.14% |
0.25% |
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1½% @ 100% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
1.50% |
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1½% @ 90% |
negative |
negative |
negative |
0.17% |
0.32% |
0.44% |
0.53% |
0.61% |
0.68% |
0.74% |
0.79% |
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1½ @ 80% |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
negative |
0.00% |
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Total Return @ Interest Compounded On
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Premium |
5 Yrs |
6 Yrs |
7 Yrs |
8 Yrs |
9 Yrs |
10 Yrs |
11 Yrs |
12 Yrs |
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