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RILA Calculator · Strategic Outcomes

Participate in the market.
Protect against the downturn.

A registered index-linked annuity (RILA) gives you growth potential tied to a market index — the S&P 500®, Nasdaq-100®, Russell 2000®, or SG Smart Climate — with a built-in buffer or floor that absorbs some of the loss when markets fall. Pick your term, your index, and your level of protection. Below is an interactive calculator powered by current Strategic Outcomes rates as of 04/15/2026.

Hypothetical calculator. The purpose of this tool is to demonstrate how different segment options would have performed historically, based on the selections you make. While the product was not available during these historical time periods, the underlying indices were. This tool is not intended to predict actual performance, nor is it an accurate representation of the product's full features and benefits. Rates shown are current and subject to change. Contact a Capital Wealth LG advisor for a full prospectus.
Education

What is a RILA?

A registered index-linked annuity is a long-term contract with an insurance company. You allocate a purchase payment into one or more "segments" — each segment links a share of your money to an index for a set period (1, 2, or 6 years). At the end of the term, the insurer credits you based on how that index moved, subject to a cap or participation rate on the upside and a buffer or floor on the downside.

B

Buffer segment

The insurer absorbs the first 10%, 20%, or in some cases all of the index loss. You take anything beyond that. Example: a 10% buffer with a −15% index return means your segment loses only 5%.

F

Floor segment

The opposite trade: you take the first slice of loss (the floor — 10% or 0%), but the insurer absorbs everything beyond it. Caps a worst-case outcome instead of covering the first dip.

P

Peak buffer

Dual-crediting: if the index drops 0–10%, you earn the opposite of the loss. Drop 10–20%, and your gain = buffer minus the loss. Losses only appear beyond the 20% buffer.

=

Fixed segment

Declared annual interest rate (currently 3%) with no market exposure. Full principal protection; no index upside. Available in 1-year terms.

%

Cap rate

The ceiling on your upside when an index rises. A 13% cap means even if the S&P 500 returns 25%, you earn 13%. Many longer-term segments are uncapped.

×

Participation rate

The multiplier applied to positive index change after the cap. A 110% participation rate with a 10% index return credits 11%. A 6-year Russell 2000 segment can participate up to 145%.

RILA Product Lineup

Two products. One protection philosophy.

We offer access to two registered index-linked annuities. The calculator below uses Strategic Outcomes rates; an advisor can model Strategic Income side-by-side based on your income timeline.

Accumulation Focus

Strategic Outcomes

Designed for clients still building retirement assets. Maximum flexibility across buffer, peak buffer, floor, and fixed segments — on 1-, 2-, and 6-year terms. Optional Rate Enhancement Rider (0.95% fee) lifts caps and participation rates for clients who want to push the upside.

  • Indices: S&P 500, Nasdaq-100, Russell 2000, SG Smart Climate
  • Protection levels: 0%, 10%, 20% buffers; 0%, 10% floors
  • Optional Rate Enhancement Rider (+0.95%/yr)
  • 6-year withdrawal charge period; 10% free withdrawal annually
Income Focus

Strategic Income

Same index participation engine, wrapped around a guaranteed lifetime income rider for clients in or nearing retirement. Trade some upside cap in exchange for a predictable paycheck once you activate withdrawals — often the right fit for CalSTRS or CalPERS retirees supplementing pension income.

  • Guaranteed lifetime withdrawal benefit
  • Single or joint-life payout options
  • Same index lineup as Strategic Outcomes
  • Roll-up and step-up income base mechanics
Interactive Tool

Build your allocation

RILA outcome calculator

Move the sliders to see how a buffer or floor changes what you actually earn in up and down years. Estimates only.
Your credited return
+10.0%

Enter a purchase payment, add one or more segment options, and the calculator will project how your contract value would have evolved under historical market scenarios. Segment allocations must total 100% before you can calculate.

Min $10,000 · Max $1,000,000
All segments re-credit on their own term; chart shows value at horizon
Segment Cap Participation Allocation %
Allocation total: 0%
Projected contract value
$0
 
Rolling 5-year average of S&P 500 price returns through 2024.
Year-by-year index return % (edit any cell to make a custom sheet)
These are index price returns only (ex-dividends). Each segment then applies its own cap / buffer / floor / participation to the cumulative return over its term (1yr, 2yr, or 6yr).
Fee Comparison · Live Model

RILA vs. no-fee RILA vs. AUM advisory

How does paying for the Rate Enhancement Rider compare to a no-fee RILA or a traditional 1% AUM advisory account? Every assumption below is editable — change the return assumptions, fees, or participation rates and the projection rebuilds in real time. Important: RILAs credit the index price return only (dividends excluded, historically ~2% drag). AUM portfolios capture total return plus diversification (international, fixed income, factor tilts). Setting realistic assumptions is what separates a sales pitch from an honest plan.

S&P 500 price return — ex dividends
Diversified total return + dividends
Enhanced participation fee
6yr S&P enh. participation rate
6yr S&P std. participation rate
Weighted ETF/MF avg
RILA Enhanced (Fee)
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—
—
RILA No-Fee (Standard)
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—
—
AUM Advisory (1%)
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—
—
RILA Enhanced
RILA No-Fee
AUM Advisory
YearRILA EnhancedRILA No-FeeAUM Advisory
How the math works. RILA Enhanced — each year, the contract value grows at (RILA Index Return × Enhanced Participation), less the rider fee charged on the initial premium. RILA No-Fee — same crediting engine at standard participation with zero rider fee. AUM Advisory — account grows at the full AUM Portfolio Return net of advisory + fund-expense drag, compounded on the current balance. Why the two return inputs are different by default: RILAs credit the S&P 500 price index (dividends excluded — roughly 2% annual drag), while an AUM portfolio captures full total return plus diversification into international equities, bonds, and factor tilts. If the market return assumption is identical for both, the RILA wins on paper; set realistic assumptions and the comparison is much closer, and often AUM wins over long horizons.
Current Rates · 04/15/2026

Strategic Outcomes — current rate sheet

Every segment option currently offered, with both standard rates and the enhanced rates available when the optional Rate Enhancement Rider is elected. Rates are subject to change.

Buffer segments

Insurer absorbs the first X% of index loss. You participate in the upside to the cap or by the participation rate.

Term Index Buffer Cap (std / enh.) Participation (std / enh.)
1YS&P 50010%13% / 15%100% / 100%
1YRussell 200010%Uncapped70% / 80%
1YS&P 50020%8.5% / 10.5%100% / 100%
1YNasdaq-10020%10% / 12%100% / 100%
2YS&P 50010%Uncapped85% / 100%
6YS&P 5000%Uncapped110% / 135%
6YRussell 20000%Uncapped120% / 145%
6YS&P 50010%Uncapped102% / 125%
6YNasdaq-10010%Uncapped90% / 110%
6YRussell 200010%Uncapped105% / 125%
6YSG Smart Climate10%Uncapped180% / 205%
6YS&P 50020%Uncapped92% / 115%
6YNasdaq-10020%Uncapped80% / 100%
6YRussell 200020%Uncapped95% / 115%

Peak buffer segments

Dual-crediting — a positive return is possible even in a down market, up to the buffer. May not be available in all states.

Term Index Buffer Cap (std / enh.) Participation (std / enh.)
1YS&P 500 Peak20%7% / 8.5%100% / 100%
6YS&P 500 Peak20%Uncapped85% / 105%

Floor segments & fixed

Floor: you absorb losses up to the floor; insurer absorbs everything beyond. Fixed: declared annual interest rate, full protection.

Term Index / Type Floor / Rate Cap (std / enh.) Participation (std / enh.)
1YS&P 500 Floor10%Uncapped60% / 70%
1YS&P 500 Floor0%Uncapped35% / 45%
1YFixed Segment3.00% annual interest rate (guaranteed through segment end date)
Lessons from the past

How the indices have actually behaved

Rolling monthly return data from carrier historical index analysis. Past performance does not guarantee future results — but it does tell you how often a 10% or 20% buffer would actually have mattered over the last 40 years.

1-year rolling returns (01/31/1984 – 12/31/2024)

S&P 500 1Y Roll

Large-cap U.S. equities

01/31/1984 – 12/31/2024
+10.47%
Average 1-year return
% positive periods70.42%
With −10% buffer84.38%
Largest gain+92.57%
Largest loss−43.31%
Nasdaq-100 1Y Roll

Large-cap U.S. tech

02/28/1985 – 12/31/2024
+17.48%
Average 1-year return
% positive periods82.23%
With −10% buffer87.58%
Largest gain+121.63%
Largest loss−67.28%
Russell 2000 1Y Roll

U.S. small-cap equities

01/31/1984 – 12/31/2024
+9.56%
Average 1-year return
% positive periods79.17%
With −10% buffer88.75%
With −20% buffer95.21%
Largest loss−44.76%

— 6-year rolling returns —

S&P 500 6Y Roll

Large-cap U.S. equities

01/31/1984 – 12/31/2024
+71.43%
Average 6-year return
% positive periods89.76%
With −10% buffer97.38%
With −20% buffer100%
Largest gain+236.18%
Largest loss−15.04%
Nasdaq-100 6Y Roll

Large-cap U.S. tech

02/28/1985 – 12/31/2024
+152.80%
Average 6-year return
% positive periods93.37%
With −10% buffer93.61%
Largest gain+1,048.38%
Largest loss−61.26%
Russell 2000 6Y Roll

U.S. small-cap equities

01/31/1984 – 12/31/2024
+60.84%
Average 6-year return
% positive periods99.29%
With −10% buffer100%
Largest gain+217.05%
Largest loss−3.54%

Ready to model your own RILA allocation?

Book a 15-minute Q1 review with your Capital Wealth LG advisor. We'll pull your carrier illustration, walk through the rate sheet, and stress-test it against your actual time horizon.

Schedule a Review See Full Planning Process
Important Considerations & Disclosures

Strategic Outcomes and Strategic Income may not be available in all states or with all broker-dealers. 0% buffer segments are not available in Maryland. Peak buffer segments may not be available in all states or with all broker-dealers. Investing involves risk, including possible loss of principal.

Before investing in registered index-linked annuities, investors should carefully consider the investment objectives, risks, charges and expenses of the contract and underlying investment options. This and other information is contained in the free prospectus which can be obtained from your Capital Wealth LG financial professional or by contacting your advisor. Please read the prospectus and, if available, the summary prospectus carefully before investing.

Index-linked deferred annuity contracts are complex insurance and investment vehicles. This contract is a security and there is a risk of substantial loss of principal and earnings. The risk of loss may be greater when early withdrawals are taken due to any charges and adjustments applied to such withdrawals. These charges and adjustments may result in loss even when the value of a segment option has increased. Clients should consult with a financial professional about the appropriateness of this product based on their financial situation and objectives.

There is risk that the segment interim value could be less than the original premium payment even if the applicable index has been performing positively. The buffer or floor rate provides limited protection. There is a possibility of a significant amount of loss of the total premium payment, credited interest and prior earnings. In the index-linked segment options it is possible that the total loss could be 100%. The cap rate limits the positive index change, if any, that may be credited to the annuity for a given segment term.

Withdrawals will reduce the contract value and death benefit. Some withdrawals may be subject to additional charges and adjustments. Withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax penalty in addition to ordinary income taxes. Guarantees are based on the claims-paying ability of the issuing carrier.

Annuity products and services are offered through the issuing insurance carrier. Securities offered through a registered broker-dealer, member SIPC, and/or independent broker/dealers. Annuities have limitations. They are long-term vehicles designed for retirement purposes. Annuities are not intended to fund short-term savings goals.

The S&P 500® Price Return Index, Nasdaq-100®, Russell 2000®, and SG Smart Climate Index are trademarks of their respective owners and are licensed for use by the carrier. Strategic Outcomes and Strategic Income are not sponsored, endorsed, sold, or promoted by these index providers, none of which makes any representation regarding the advisability of investing in such products.

Not FDIC or NCUA insured · May lose value · Not a deposit · No bank or credit union guarantee · Not insured by any federal government agency.

Contract: SF 1027. Riders/Endorsements: SF 1028, SF 1029, SF 1030, SF 1031, SF 1032, SF 1053, SF 1054, SF 1055. Effective 5/1/2025 or after: ICC24 SF 1061 through SF 1069. Registered index-linked annuities can only be marketed and sold by securities-licensed financial professionals. Any discussion of this product must be preceded or accompanied by a prospectus.

About this calculator. Hypothetical illustration only. This tool is not a recommendation and does not constitute investment, tax, or legal advice. Historical index data shown is from carrier historical illustration (2026). While the products themselves were not available during the historical periods referenced, the underlying indices were. Scenario returns applied are illustrative approximations; actual segment crediting depends on the specific rolling period selected at issue. Rates shown are current as of 04/15/2026 and subject to change. Contact a Capital Wealth LG financial professional for a full personalized illustration.