Defined Outcome Strategies
For the conservative investor, who is looking for capital preservation...with more upside than a Bank CD or Annuity...here are our current favorite options.
15% - 2yrs
Market Linked CD
These are bank CDs, however instead of a fixed interest rate, you get a single payment at the end of the term that is your principal plus the performance of the market, up to the predetermined cap. Since these are bank CDs they carry FDIC insurance.
|
Terms: |
|
|
Index |
S&P 500 |
|
Term |
2 years |
|
Max Upside Return (%) |
15.00% |
|
Upside Participation (%) |
100% |
|
Principal Protection |
Full Principal Protection |
|
Protection Type |
FDIC Insured |
Rates shown are valid as of March 13, 2024. Rates are subject to change without notice.
Request More Information19.5% - 15mo
Be The House CD
The house always wins, so why not be the house? As long as the market trades within a range of -19.5% to +19.5%, you get that number as a positive return at maturity. If it exceeds those bounds...on any given day, the bet is closed and you collect 2%.
|
|
|
|
Index |
S&P 500 |
|
Term |
15 Months |
|
Max Return (%) |
19.50% |
|
Min Return (%) |
2% |
|
Principal Protection |
Full Principal Protection |
|
Protection Type |
FDIC Insured |
Rates shown are valid as of March 13, 2024. Rates are subject to change without notice.
Request More InformationDefined Outcome Strategies
For the conservative investor, who is looking for capital preservation...with more upside than a Bank CD or Annuity...here are our favorite options.
The hallmark of these strategies is:
#1 - Capital Preservation:
We worked hard for this money, the last thing we want is to risk it all to the whims of the market. From FDIC insured products to contractual guarantees, all of these strategies have a core focus on returning your principal at the end of the term.
#2 - Market Upside (within Limits):
We deserve better than the little scraps that the banks will throw our way. All these strategies are designed to help you capture some of the markets growth (up to predefined caps) without the majority of the risk or volatility.
#3 - No Surrender Charges:
Unlike annuities which have surrender charges, these products can be sold on the secondary market and/or redeemed with the issuer at any time. So, if you need to exit early you usually can, or if the market does really well, you may be able to lock in those gains and roll it in to a new product...allowing for ever greater upside.
#4 - May Be Tax Advantaged:
Depending on the product, your growth may be eligible to be treated as Long Term Capital Gains rather than the Ordinary Income of Bank CDs and Annuities. Which can help reduce your taxable income in retirement...putting more money in your pocket and allowing your money to grow quicker.