The chart below shows the ratio of gains and losses for a hypothetical contract designed
to follow the S&P 500 index, according to the term, cap, and protection limits you choose.
Time periods are evaluated on a rolling monthly basis.
99% of the time
a 20% buffer would have saved you from a market loss in a 6-year term.
March 1957 - August 2024 (738 time periods)
Annuity
S&P 500
Average return:
60.6%
59.5%
Annualized:
8.2%
8.1%
Best:
236.2% year 2000
236.2% year 2000
Worst:
-18.1% year 1974
-38.1% year 1974
# of Losses:
6 0.8%
96 13%
Breakdown
The following chart provides a more detailed breakdown of the returns for each time period.