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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 |
|
3% @ 100% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
3.00% |
|
3% @ 90% |
0.85% |
1.21% |
1.46% |
1.65% |
1.80% |
1.92% |
2.02% |
2.10% |
2.17% |
2.23% |
2.28% |
|
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% |
|
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% |
|
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% |
|
1¾% @ 90% |
negative |
negative |
0.23% |
0.42% |
0.57% |
0.68% |
0.78% |
0.86% |
0.93% |
0.99% |
1.04% |
|
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
|
|
Premium |
5 Yrs |
6 Yrs |
7 Yrs |
8 Yrs |
9 Yrs |
10 Yrs |
11 Yrs |
12 Yrs |
13 Yrs |
14 Yrs |
15 Yrs |
|
3% @ 100% |
115.9% |
119.4% |
123.0% |
126.7% |
130.5% |
134.4% |
138.4% |
142.6% |
146.9% |
151.3% |
155.8% |
|
3% @ 90% |
104.3% |
107.5% |
110.7% |
114.0% |
117.4% |
121.0% |
1.246% |
128.3% |
132.2% |
136.1% |
140.2% |
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3% @ 80% |
92.7% |
95.5% |
98.4% |
101.3% |
104.4% |
107.5% |
110.7% |
114.1% |
117.5% |
121.0% |
124.6% |
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2¼% @ 100% |
111.8% |
114.3% |
116.9% |
119.5% |
122.2% |
124.9% |
1.277% |
130.6% |
133.5% |
1.365% |
139.6% |
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2¼% @ 90% |
100.6% |
102.9% |
105.2% |
107.5% |
110.0% |
112.4% |
115.0% |
117.5% |
120.2% |
122.9% |
125.7% |
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2¼ @ 80% |
89.4% |
91.4% |
93.5% |
95.6% |
97.7% |
99.9% |
102.2% |
104.5% |
106.8% |
109.2% |
111.7% |
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2% @ 100% |
110.4% |
112.6% |
114.9% |
117.2% |
119.5% |
121.9% |
124.3% |
126.8% |
129.4% |
131.9% |
134.6% |
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2% @ 90% |
99.4% |
101.4% |
103.4% |
105.4% |
107.6% |
109.7% |
111.9% |
114.1% |
116.4% |
118.8% |
121.1% |
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2% @ 80% |
88.3% |
90.1% |
91.9% |
93.7% |
95.6% |
97.5% |
99.5% |
101.5% |
103.5% |
105.6% |
107.7% |
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1¾% @ 100% |
109.1% |
111.0% |
112.9% |
114.9% |
116.9% |
118.9% |
121.0% |
123.1% |
125.3% |
127.5% |
129.7% |
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1¾% @ 90% |
98.2% |
99.9% |
101.6% |
103.4% |
105.2% |
107.1% |
108.9% |
110.8% |
112.8% |
114.7% |
116.8% |
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1¾ @ 80% |
87.2% |
88.8% |
90.3% |
91.9% |
93.5% |
95.2% |
96.8% |
98.5% |
100.2% |
102.0% |
103.8% |
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1½% @ 100% |
107.7% |
109.3% |
111.0% |
112.6% |
114.3% |
116.1% |
117.8% |
119.6% |
121.4% |
123.2% |
125.0% |
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1½% @ 90% |
97.0% |
98.4% |
99.9% |
101.4% |
102.9% |
104.4% |
106.0% |
107.6% |
109.2% |
110.9% |
112.5% |
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1½ @ 80% |
86.2% |
87.5% |
88.8% |
90.1% |
91.5% |
92.8% |
94.2% |
95.6% |
97.1% |
98.5% |
100.0% | |
