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Build a transparent three-sleeve annuity allocation using current MYGA, FIA accumulation, and FIA income-rider data—without pretending unlike contract metrics are one score.
Three sleeves · unlike metrics stay separate
The guaranteed rate, FIA cap, and rider withdrawal rate below are not interchangeable returns. Each comes from its own current, family-safe CANNEX cohort.
MYGA fixed-rate sleeve
7.45%
5-year guaranteed rate
Simplified first-year interest
$18,625
Allocation × current guaranteed annual rate. This is an educational one-year calculation, not a carrier illustration or surrender-value quote.
Live cohort leader: Atlantic Coast Life · Safe Harbor Bonus Guarantee
A.M. Best rating: B
Grounded freshness: July 15, 2026
FIA accumulation sleeve
12%
No-fee annual S&P 500 one-year point-to-point cap
User-hypothetical one-year credit
8% · $20,000
Uses your 8% hypothetical S&P 500 price change, floored at 0% and limited by the live cap. Dividends are excluded. Contract terms control actual credits.
Live cohort leader: MassMutual Ascend Life Insurance Company · Index Protector 5 MVA
A.M. Best rating: A++
Grounded freshness: July 15, 2026
FIA income sleeve
12.8%
Lifetime withdrawal rate at age 60 after 10 years
User-hypothetical annual withdrawal
$64,000
Your hypothetical $500,000 income base × live withdrawal rate. An income base is not cash value or premium; actual bases require product-specific rider mechanics and fees.
Live cohort leader: Allianz Life Insurance Company of North America · Retirement Foundation ADV
A.M. Best rating: A+
Grounded freshness: July 15, 2026
Hypothetical first-year accumulation credits
$38,625
MYGA interest plus the simplified FIA index credit. This excludes the income-rider withdrawal because a withdrawal is not investment growth.
Allocation check
25% MYGA · 25% FIA growth · 50% FIA income
Data source: CANNEX via AdvisorWorld. Report freshness is conservatively anchored to the oldest allocated cohort shown above: July 15, 2026.
Rates vary by state, premium band, and issue age. Caps and participation rates can change; figures are a point-in-time snapshot. Annuity guarantees are backed by the issuing insurer’s claims-paying ability—not FDIC-insured.
Educational comparison only—not financial advice, a recommendation, contract quote, or carrier-approved illustration. Confirm current state availability, contract terms, fees, crediting details, and rider mechanics before acting.
The URL preserves every input so another reader can rerun the calculation. Live cohort values may refresh; this link is not a frozen record or immutable citation.
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Static answers are baked from the same cached, family-safe cohorts and fail closed when a complete answer cannot be verified.
A current three-sleeve example allocating $625,000 across 40% MYGA, 40% FIA growth, and 20% FIA income, with each live contract metric kept separate.
See a distinct baked Texas example using 40% MYGA, 40% FIA growth, and 20% FIA income, a user-assumed 8% one-year S&P 500 change, and a user-entered $100,000 hypothetical income base.
A current three-sleeve example allocating $1,000,000 across 25% MYGA, 25% FIA growth, and 50% FIA income, with each live contract metric kept separate.
See a distinct baked Texas example using 25% MYGA, 25% FIA growth, and 50% FIA income, a user-assumed 12% one-year S&P 500 change, and a user-entered $400,000 hypothetical income base.
A current three-sleeve example allocating $1,250,000 across 20% MYGA, 20% FIA growth, and 60% FIA income, with each live contract metric kept separate.
See a distinct baked Texas example using 20% MYGA, 20% FIA growth, and 60% FIA income, a user-assumed 16% one-year S&P 500 change, and a user-entered $600,000 hypothetical income base.
A current three-sleeve example allocating $2,500,000 across 10% MYGA, 10% FIA growth, and 80% FIA income, with each live contract metric kept separate.
See a distinct baked Texas example using 10% MYGA, 10% FIA growth, and 80% FIA income, a user-assumed 0% one-year S&P 500 change, and a user-entered $1,600,000 hypothetical income base.
Methodology
Source. Current CANNEX observations arrive through AdvisorWorld and AnnuityRatesHQ’s timeout-protected cache. No tool route calls the raw upstream API.
Family and rate integrity. MYGA and FIA rows are segregated before their family-specific plausibility rules run. MYGA rates outside the displayable plausibility band, cross-family rows, implausible FIA caps, and unverified FIA-income candidates are quarantined and logged.
Like-for-like selection. The MYGA sleeve uses one selected term and premium. The FIA growth sleeve uses only no-fee annual S&P 500 one-year point-to-point caps. The FIA income sleeve uses an age- and deferral-matched lifetime withdrawal-rate cohort. The three metrics are never averaged.
Formula notes. Simplified MYGA interest equals allocated dollars × live guaranteed annual rate. FIA credit equals allocated dollars × min(max(user index assumption, 0), live cap), excluding dividends. Hypothetical rider withdrawal equals the user-entered income base × live withdrawal rate. These are educational calculations, not carrier illustrations.
Freshness. Cached reads refresh on a 10-minute cadence. Dates come only from grounded feed freshness; page render timestamps are never shown as data dates.
Sharing
The permalink preserves the portfolio allocation and hypothetical inputs. Live cohort leaders, rates, caps, rider mechanics, and dates may change when the page refreshes, so the URL is not a frozen record or immutable citation.
When discussing the live result, call each percentage by its displayed mechanic and grounded date; do not relabel the withdrawal rate as a return or the cap as a guaranteed credit.
Review dated market coverage contextNo. A MYGA guaranteed rate, an FIA index cap, and an FIA rider withdrawal rate describe different contract mechanics. The report keeps them in separate sleeves and never averages or sums them into a performance claim.
Carrier, product, MYGA rate, FIA cap, FIA withdrawal rate, and grounded freshness labels come from current CANNEX data via AdvisorWorld. Portfolio allocations, assumed index return, hypothetical income base, and the resulting educational dollar calculations are user inputs or formulas applied to those inputs.
It uses a family-verified FIA cohort limited to no-fee annual S&P 500 one-year point-to-point cap strategies. Participation, monthly, fee-based, RILA, and implausible rows do not enter that cohort.
No. An income base is a rider accounting value, not cash value or necessarily premium. The user-entered hypothetical base only demonstrates withdrawal-rate arithmetic; actual bases require source-backed product and rider terms.
The page displays an honest partial or unavailable state. It does not insert a default rate, fabricate a carrier, or publish an empty static scenario as an answered page.
Live reads use the site’s 10-minute cached data path. A visible as-of date appears only when the underlying feed provides a grounded CANNEX refresh date; render time is never substituted.
Continue researching
Compare guaranteed rates and terms without mixing in FIA mechanics.
Review caps, participation rates, and income-rider data in their proper cohorts.
Compare family-verified lifetime withdrawal rates and disclosed rider fees.
Understand how fixed-rate, indexed accumulation, and income mechanics differ.