Secure clients a fixed rate of return in both up and down markets
The Dual Direction Trigger with Cap Strategy guarantees clients a preset rate of return (“trigger rate”) when index returns fall within a buffer range of +20% and -20%.
- Earn at least the trigger rate in up markets Generate growth that equals the trigger rate if index return at the end of the term is between 0% and 20%. If index performance exceeds 20%, clients’ earnings will match the index performance up to the cap.
- Turn losses into gains that equal the trigger rate The strategy account value will always grow if negative index return stays within the buffer. Any losses clients incur are equal to the percentage that exceeds the buffer rate.
May perform best in:
Weak to down markets (within buffer)
Key advantages:
- Protects against moderate losses while still allowing capped growth.
- Offers the opportunity to earn a fixed rate of return in weak to down markets.
- Can provide growth in a wider range of market scenarios, reducing stress of sharp swings. Depending on the trigger rate, gains may be limited in rising markets.
Could be good for investors seeking:
Fixed returns in weak, flat, or down markets. Good for balance-seekers because it provides more than just protection against certain losses, but also the opportunity to earn the trigger rate in any down market within the buffer rate.
* Strategy not available in California.
Benefit from greater participation in market's upside subject to a cap
The Enhanced Participation and Cap Strategy works like the basic Participation and Cap crediting method but with a higher participation rate, and potentially a lower Cap Rate. As a result, the Index Credit Rate on the Enhanced Participation and Cap Strategy may be lower than the Index Credit on the Participation and Cap Strategy.
- Help maximize participation in up markets This strategy performs best when index performance is positive but below the cap.
- Provides a level of protection against market loss Clients have the confidence that their money is protected in all down markets up to the 20% buffer rate.
May perform best in:
Strong up markets
Key advantages:
- Provides amplified participation in strong markets with capped upside.
- Well-suited for bullish environments where investors expect consistent gains.
- The "boosted" upside comes at the cost of a ceiling—individuals must be comfortable with that trade-off.
Could be a good for investors seeking:
A way to magnify participation in up markets. Appeals to those who are optimistic about market performance and comfortable with capped growth in exchange for a higher participation rate.
Note: The higher participation rate does not ensure that the Enhanced Participation and Cap Strategy will outperform the Participation and Cap Strategy. Earnings may be higher or lower, depending on cap rates and index performance.
MarketLock offers a broad range of strategy account options that can help clients create a personalized allocation to meet their individual needs and goals. Take advantage of:
- 8 of the most popular and innovative crediting methods for upside potential in the RILA market today.
- 2 leading indices for greater diversification: the S&P 500 and the Nasdaq-100®
- 2 buffer levels for downside protection: 10% or 20%
- 3 term lengths: 1-, 3-, 6-years for more flexibility
With MarketLock, clients can allocate assets to a fixed account that provides them with a guaranteed rate of return, no matter how the market performs.
Note: Diversification does not ensure a profit or protect against market loss.