Bought Allianz Friends of this product from IUL can come here and tell you how to make rate lock today. One of the great benefits of this product is the rate lock function. The so-called rate lock means that after the stock index reaches a certain level of return, you can lock it. The advantage of locking is that if the stock index falls later, the rate of return of your insurance policy will not fall. Of course, the stock index rises higher, but also It has nothing to do with you. Please refer to the example in the figure below. This is the stock index growth of a client's insurance policy. I received an email from Allianz today reminding me that a stock index of thisAn important news to share today, Allianz Benefit Control (ABC) is the best stock index annuity launched on the market in the past 10 years. Allianz gave us an initial bonus of 25% of the pension value when we opened an account. This bonus was issued in June The 21st ends. Our team made a comparison between this annuity and real estate investment. Suppose a 51-year-old person buys a house of 500,000 yuan, starts to pay rent immediately, and lives to 95 years old. According to the annual appreciation of the house, the net profit is 3.97%. Calculated at 3.3% of the house price (this assumption is based on national data and data on people in our team who invest in real estate), this person starts renting from the age of 51 to 95 years old, and can take the rent of 1,975,387 US dollars, plus the final house appreciation, you can get a total of 3,970,029 US dollars (after tax), but also at the age of 51, you can spend 500,000 to buy the Allianz Benefit Control this annuity, start to get income from the age of 61, and live to the age of 95, you can get a total of 7,706,563 US dollars (before tax), Because everyone's tax rate is different, we can't calculate the after-tax value, but even after deducting tax, we also bet real estate investment. This is the best one on the market right now, and not all annuities beat real estate investing. Interested friends are welcome to consult with our team in the background. The strategy you can take is to open an account before June 21, take up the pit, and transfer the money within 18 months. value can get 25% of the initial bonus, if it is not suitable, close the account. There are 401(k) If you are a friend of yours, we recommend using your old 401(k) account instead of cash. For those who don’t have a pension, you can consider using cash.client has risen to 11.08% . Do you want to lock it? This account is effective from 02/11/2021, so it has risen to 11.08% in the past half a year. If I lock it, even if the stock index falls later, the insurance company will pay this rate on February 11 next year. Customer billing. If you are satisfied with the growth of the stock index, click "index lock/set target" to lock it. Both brokers and clients can log in to their respective accounts and lock them. If you use Set target function, then it will be automatically locked, the index reaches the target interest rate, the system will automatically lock. With this lock function, even if the stock market falls that year, we are likely to experience positive growth, because even if the stock market falls, it will not be a precipitous fall, but a volatile fall. As long as there is volatility, there will be growth. It can be locked, so this function is very powerful.

But one thing to be aware of, because index is like our mutual fund, is settled once a day, so the 11.08% in the figure below that we see now is yesterday's stock index return rate, today's stock index return rate will not be known until 4 o'clock, and today's may be higher than 11.08 % , may also be a little lower than 11.08%. Therefore, the time of lock will not be exactly the same as the rate of return you see.

If you ask me, am I locked today? My answer is, not yet. Because both PIMCO and Bloomberg are unsurprisingly able to go even higher based on past records, many people locked in at 1.6% last year. Both indices are volatility control indices and won't rise as much as the S&P 500, but they won't fall as much either. When the broader market fell nearly 40% in 2009, PIMCO rose more than 5% .

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Some friends came to consult us just now, asking about the comprehensive features of this annuity, I will Allianz The features of this annuity are summarized as follows:

1 ) For friends who open an account between 05/04 and 06/21, the pension value can get 25% of the starting bonus 
2 ) Pension value and cash value are both guaranteed, and the pension value will also get 250 of the index % gain. 
3 ) The stock indexes below it are all volatility controlled , such as PIMCO and Bloomberg . The stock indexes under volatility control will not rise sharply, nor will they fall sharply, and will rise more steadily. In addition, in the stock index of volatility control, the price of the option purchased by the insurance company will be cheaper than that of the S&P 500 option, so the insurance company's cost is relatively low and the profit margin is larger. 
4 ) The function of rate lock is unique, that is, in the middle of the year, when the stock index rises as expected, the rate of return can be locked. Even if the stock index falls later, when the anniversary settles the interest rate, there is no need to worry. Each stock index can be locked once a year. 
5 ) Once you start taking money, the money you take also grows with the stock index and is 150% of the stock index growth. This effectively fights inflation. 
6 ) Pension The value continues to increase even after taking the money. This annuity can start taking money in the second year, or many years later. Unlike many annuities, it must take 5, 7, 10 years to start taking money. money. 
7) This annuity has a day benefit, but the death benefit is relatively limited. This annuity is not suitable for inheritance, but is more suitable for taking your own money.

What is pension value and what is cash value? Pension The value is the benchmark when you start taking lifetime permanent income, and the cash value is the actual amount in your annuity. If we pass away, the money will be given to the beneficiary. The income we take is payout ratio * pension value , so the level of pension value determines the level of starting money. For added income rider's annuity, pension value than cash value is more critical. Also keep in mind that adding income The main purpose of rider's annuity is not to inherit, but to use it for himself, to ensure that he can live to get old and get rich, and can fight inflation to get money.