The Multi-Asset Class Index Annuity
The Lafayette Life Insurance Company’s Marquis SP is a single premium deferred fixed indexed annuity, and the Marquis Centennial is a flexible premium fixed indexed annuity. Both earn interest based on changes in a market index, which measure how markets or parts of markets perform. Both annuities offer growth potential and income guarantees. Allocate your account value among multiple indexed interest crediting options, including one-, two- and three-year allocation options with no interest rate cap.
An Index Custom Designed For Annuities
Sponsored by global investment bank Goldman Sachs. A market index associated with Marquis SP and Marquis Centennial indexed annuities.
Used in allocation options with no interest rate cap.
The one-, two- and three-year allocation options in Marquis SP and Marquis Centennial reflect the performance of the GS Momentum Builder® Multi-Asset Class (GSMAC) Index. Goldman Sachs custom designed the index for the following goals:
• Diversification: Mixing a wide variety of asset classes — including international equities, international bonds, and commodities — may provide return consistency over long periods.
• Dynamic Asset Allocation: A rules-based strategy based on momentum-investing principles allocates more to recent outperformers and less to recent underperformers based on past performance over three-, six- and nine-month periods.
• Stability: Volatile markets can significantly impact performance. Monthly portfolio rebalancing may dampen risk and smooth returns in both rising and falling markets. Volatility is monitored daily and, to the extent the volatility cap is exceeded, the Money Market allocation is increased.
An Index That Pursues A World Of Opportunity
The GSMAC Index aims to deliver returns that maximize gains for a given level of volatility. Six diverse asset classes are rebalanced monthly, offering long term potential for more consistent returns across different market cycles, both high and low. Still, index objectives may not be met. Diversification may not protect against market risk.
- US Equity
- International Equity
- US Bonds
- International Bonds
- Money Market
Asset class maximum weights are as follows: US Equity 30%, International Equity 60%, US Bonds 100%, International Bonds 60%, Commodities 50% and Money Market 100%. For asset classes with two component indexes, neither may comprise more than half the maximum weight. The index is controlled for a 4.5% volatility target and a 5% volatility cap.
If you would like to explore this innovative annuity product contact Bender Advisors today.