92 0 obj <>stream 497 1 d845658d497.htm SEPARATE ACCOUNT FP OF AXA EQUITABLE LIFE INSURANCE CO AXA Equitable Life Insurance Company . **Withdrawals from GDAs and TDAs prior to maturity will be subject to market value adjustments. Make sure to read the fine print before investing in any plan. il The cash value component of the policy grows at a guaranteed rate, and the policyholder can accumulate savings and borrow against the cash value of the policy. Some guaranteed return investments, such as annuities, may have high fees and expenses that can eat away returns. Many of the best high-interest savings accounts belong to online-only banks, like Discover and Ally. Separate Account Charges: This is what the AXA Variable Annuity calls the M&E or mortality and expense fee at 0.95%, and they add another 0.25% for a total fee of 1.20%. When you make a payment/contribution to your AXA Mansard Investments Fund, there will be a confirmation email sent to your registered email address and your fund will reflect on your dashboard within 24 hours. Equitable Life awarded seven Fundata FundGrade A+ awards. Notable Features Accrued interest will be paid at the end of the 10-year period Policy year Policy year Easy Personal Loan by Anyone. O]3?GZI9\yH?<=N5IOmb^~o&=o~6YLL,{;~7?c02i6 S_BRe2>~VI\v:7)]\d"e[boq,XW8f=;;r-k y1iXxl#e4[-fLo[-~KlatZ86Mh6Mh[B& lB& lB& lB&B)B[:~w;~w;~Ef]E]e]E]eYW.oo|W7}'g{=~{=e93{){)56s4%j\+T]>NqM\oO $@ Deferred Interest Payment Date means the day falling five Payment Business Days following the Determination Date determined pursuant to paragraphs (i) or (ii)(b) of the definition of Determination Date. 1,34,311. Fixed annuities are offered by insurance companies with a guaranteed rate of return for a specific period. You can find the perfect plan to meet your needs by comparing different options. generate a higher long-term return. The Sum Assured at Maturity under his Policy is Rs. But with so many options available, it can be hard to decide which type of account is right for you. Some guaranteed return investments, such as CDs and bonds, may be considered low-risk, but they still carry some risk. Notice is hereby given to the general public that AXA Mansard has no affiliation What do I need to do? These plans offer a set rate of return on your investment, so you can be sure that youll get your money back plus interest providing financial security. Banks and credit unions offer high-yield savings accounts and often have higher interest rates than traditional savings accounts. If you do not have a financial advisor and would like to speak to one, call us at 1.800.668.4095 and our customer service team would be pleased to have an advisor in your area contact you. In addition, the interest rate on a bank-brokered CD is guaranteed for the term of the CD, which means that even if interest rates fall, the rate on your CD will not change. )Ft@yzFA 0SI"glB5WINIIIl.X2HPPIIJ--n(Z To4iJ`$x9 No, there is no guaranteed return rate. Is there a guaranteed return rate for the Equity Income Fund? The penalties will vary depending on the institution and the specific GIA product. We will credit your registered account number within 2-5 working days from when you send in the instruction (via the website, MyAXA App or *987#) and all outstanding documents are in place. Guaranteed Sum means: The maximum amount of R . Guaranteed Distributions means (i) for each Distribution Date, an amount, if any, by which the amount available to be paid as interest to the Guaranteed Certificates, pursuant to the priority of distributions set forth in the Pooling and Servicing Agreement, is less than the Interest Distribution Amount on the aggregate Adjusted Certificate Principal Balance of the Certificates for such Distribution Date; (ii) for any Distribution Date after the Parity Date, with respect to each Certificate, an amount with respect to principal equal to the excess of (a) the Certificate Principal Balance of such Certificate over (b) the sum of the Adjusted Certificate Principal Balance for such Certificate plus amounts previously paid as Guaranteed Distributions on such Certificate under this clause (ii); and (iii) without duplication of amounts paid pursuant to clause (ii), to the extent unpaid on the Final Scheduled Distribution Date or the earlier termination of the Trust Fund pursuant to the terms of the Pooling and Servicing Agreement, any remaining Certificate Principal Balance for such Certificates; in each case in accordance with the original terms of the Certificates when issued and without regard to any amendment or modification of the Certificates or the Pooling and Servicing Agreement except amendments or modifications to which Financial Security has given its prior written consent. There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limi-tations with Special DCA programs. Any amount held in the Guaranteed Interest Option becomes part of the assets in our general account, which supports the guarantees of the Contract and other contracts. This is because investors can get a better return on their investment elsewhere. AXA Mansard is a member of the AXA Group, the worldwide leader in insurance and asset management with 166,000 employees serving 107 million clients in 64 countries. On the AXA Mansard website www.axamansard.com, click on Forgot Password and follow the prompts to reset your password. Like traditional annuities, fixed-index annuities tend to be expensive and can charge high fees. Guaranteed interest accounts provide reliable, consistent returns and can be used for short-term savings or to supplement other investments in your portfolio. tailored approach based on your unique investment constraints and objectives. PURCHASE CONTRACTCONTINUATIONPURCHASE CONTRACT 101018 REVISION: 220 Page 123 of 210ITEMEAEADX-C9DX-C9CARRIAGE ADAPTORYOKE1034-9681-0031034-9606-004HQ0006-01-C-0001/HQ0006-01-C-0001HQ0006-01-C-0001/HQ0006-01-C-000102700271QUANTITY UM PART NUMBERVENDOR P/N DESCRIPTIONCUSTOMER / PRIME CONTRACT NUMBER PRIORITY RATING FUNDED UNIT PRICE FUNDED EXTENDED PRICE10101010Quantity OrderedQuantity OrderedItem Reference:Item Reference:Undefinitized price included in item 0165Undefinitized price included in item 0165Ship This Item Only To:Ship This Item Only To:See Attachment A120See Attachment A120,,VHA**W0**001VHA**W0**001PROJECT CCN TRUE MANUFACTURER675784675784Item Unit Value:Item Unit Value:$0.0000$0.0000Value Code:Value Code:$0.0000$0.0000$0.0000$0.000020-NOV-0920-NOV-09Scheduled Delivery DateScheduled Delivery Date. Your request has been submitted successfully. browser settings, we'll assume that you are happy to receive all cookies on the AXA website. The principal and interest on TIPS are adjusted for inflation, meaning that the value of the bond increases with the rate of inflation, protecting the investors purchasing power. Forgot your username or password? We can defer payment or transfer of any portion of the Annuity Account Value in the Guaranteed Interest Option for up to six months while you are living, subject to any required written approval from the Insurance Supervisory Official in your jurisdiction. This makes them an attractive option for savers who want to know exactly how much interest they will earn over a set period of time. In addition, fixed annuities also have tax advantages, which can help you save money in the long run. How To Budget Your Money: The 50/30/20 Rule. What are the advantages of investing in the Money Market Fund? He was a financial planner for 16+ years having founded, Alliance Wealth Management, a SEC Registered Investment Advisory firm, before selling it to focus on his passion - educating the masses on the importance of financial freedom through this blog, his podcast, and YouTube channel. Guaranteed Interest Option: An Investment Option that is part of Equitable's general account. Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments. underlying assets include treasury bills, fixed deposits, and commercial paper with high credit rating. Jeff Rose, CFP is a Certified Financial Planner, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Terms from 11 to 30 years are available and the minimum investment is $5,000. <>/Metadata 179 0 R/ViewerPreferences 180 0 R>> The income payments are typically received after the annuitant reaches a specific age, such as retirement age, and are guaranteed for a defined number of years or the remainder of the annuitants lifetime. You also have the option with this product to request the simple interest payout option, which entitles you to receive simple interest payments monthly or annually, the choice is yours. This is because the interest rate on a GIA is usually fixed, while the interest rates in the market can fluctuate. The Company is also certified ISO 9001:2008 compliant by the Standard Organisation of Nigeria (SON) for quality management systems. They are among the best low-risk investments and offer a guaranteed rate of return with the added benefit of protection against inflation. Jeff holds a Bachelors in Science in Finance and minor in Accounting from Southern Illinois University - Carbondale. This can provide security for those concerned about market fluctuations who want to ensure a steady return on their investment. *% 4(xT@,QTjL}&QD1* Retirement Income Fund and Life Income Fund, Flexible-access to your investments anytime, Compounded or simple interest payout option available. 0000000016 00000 n Our GIAs provide security of principal with a guaranteed rate of return. You agree to make regular payments into the account with a fixed annuity. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Yes, some investments come with a guaranteed return. +]vA=(:r=CZrqCNY-> (YB *x-?vm$V/To}ew'xT qj0Pj(*W@0$AJ+f1?1(,y{r?A/Fa3 { HLp #=B@3ETjD %-eAPe;`$+XXy9S/otb ca83rtG0G cYVzf[g|rWx_%F|"%h4/+ @Y,oQhc.7[_?f"W~iJ$n1|R(l?\FLJA`4.Z5em79x|+/6gJ_ "0lSwdQ}f3{G} Z#;k#S5)zk?YhkJ7z#srm{j~ZA"ErYId)7$`mcM=,tmW{MIAG?xV[|'B'K^%fxu'MG"i-gZzv&r+Z,},tffk{Pv_Jei1>-X^G!Gd,AzTDU=+73s'/N5u|WpwMIU@15|YVFZ?.a~l_X~ sj3P ]*"3g NTV\ln~t.4((\"dM|[oJ Note: Not available if you elect the Asset Rebalancing Service. The Equity Income Fund is a type of Mutual Fund. Who monitors the Fund managers activities? I have changed my name and want to effect this change on my AXA Mansard Investments Fund details. While a practicing financial advisor, Jeff was named to Investopedia's distinguished list of Top 100 advisors (as high as #6) multiple times and CNBC's Digital Advisory Council. Fixed annuities offer 4 percent guaranteed returns, which is higher than what you would get from a certificate of deposit. Deposits to the Fidelity Special Situations mutual fund are being limited but the segregated fund is available to your clients. MyAXA app is available on the Google Play and App Stores. You will be required to provide an estimate of repairs, picture of the damaged vehicle showing the plate number as well as third party details where applicable. H"@7)w&}/u$$o,!YJ> A risk assessment would help us serve you better. There is no guaranteed return rate for the Fund. The DIA is similar to a high-interest savings account and may be ideal for those seeking a stable and secure investment for emergency savings or for those who have not yet defined their goals. A Guaranteed Interest Account (GIA) is an ideal account for saving toward a special purchase, creating an emergency fund, a guaranteed holding of your investment portfolio and even guarding against market volatility. How do I know that my transfer was successful? Additional filters are available in search. Yes, guaranteed income plans can be an excellent way to invest your money. If you are unable to reach us by telephone, you should send a written transfer or allocation change request to our administrative office. Please refer to our Legal and Privacy Page for the conditions applicable when using this Site. You will need to complete a subscription form. You can invest any amount in the fund subsequently. Yes, the AXA Mansard Equity Income Fund pays dividend annually. Any person who Who manages the AXA Mansard Equity Income Fund? Find competitive rates from 423 banks and credit unions for your savings. You can get a guaranteed return of four percent from a fixed annuity sold by financial institutions and insurance agencies like The Annuity Expert. To make a contribution to your AXA Mansard Investments Fund, you can use any of the following channels: To access the statement of accounts for your AXA Mansard Investments Fund, log on to your www.axamansard.com account. Also referred to as the Guaranteed Interest Account. This service is free of charge. 1,00,000 (exclusive of taxes, rider premiums, and underwriting extra premiums). Additionally, the interest earned on Treasury bonds is exempt from state and local income taxes. The Fund assets are denominated in Naira and, as such, capital inflows by foreign investors who subscribe to the Fund shall be converted to Naira at the exchange rate as advised by the Fund Managers Bankers. AlRA5N X>7OL:>ijM Rz} @sz+_Wh'LW A)&L_NLpV>Ip) ,GiXkvTvTtq-p 8WI_gu"CHf N.t`C]xoO87y3.3Jd! This has been an issue in 2022, as inflation has soared to highs not seen in decades. Retrieved from Find the highest interest rates for your savings ranging from 3 months to 5 years. An agent will contact you shortly. A Guaranteed Interest Account (GIA) is a type of savings or investment account that offers a guaranteed interest rate. 6-A Side Mini Football Format. <]/Prev 197628>> However, these plans typically require a more significant initial investment. Box 1047 Charlotte, North Carolina 28201-1047 By toll-free phone: Monday through Friday, 8 AM to 7 PM, Eastern Time: 1-800-777-6510. Policyholders and prospective policyholders should read the Assuris brochure for details and limitations of coverage. Can I Invest in other currencies like US DOllars? Home; About Us; Crystal Palace Yorkies; Contact Us; axa guaranteed interest account However, its important to note that the interest rate paid on TIPS is lower than other bonds, and the principal portion may be subject to taxes. These investments offer a fixed rate of return and can provide you with a stream of income in retirement. }i) .1mNB?GD?\`A62Nv^8;ca8OFqB:HUr_5wT]R`,QaAU2.u>. Treasury bonds, also known as T-bonds, are a type of debt security issued by the U.S. Department of Treasury. When an investment is described as having a guaranteed return, the investor is promised a specific interest rate on their money. Contact your advisor or Equitable Life for the current rate. They offer the same tax advantages as traditional annuities and can be used as a retirement savings vehicle. Most banks and credit unions offer guaranteed interest accounts. There are a few factors to consider when choosing a guaranteed return plan. Treasury bonds are government-issued bonds with a fixed interest rate. Clients may however invest directly in Eurobonds or US Treasuries if they would prefer to invest in US Dollars. The Equity Income Fund invests largely in listed stocks and sparsely in money market securities such as Treasury Bills and Fixed Deposit. The yearly guaranteed interest rate will never be less than the minimum interest rate. axa guaranteed interest account. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties informational accuracy or completeness. Its important to note that not all investment plans offer a guaranteed return. -6c:/u3yB1L `NndVnF#jah[0LfcM8`s?Zw%v W\0A%L'>nfrts1!/cPPiO v^1El7pvNp7VE~3 Guaranteed interest accounts provide reliable, consistent returns and can be used for short-term savings or to supplement other investments in your portfolio. What other investment options does AXA Mansard Investments offer? Accreted Interest Interest accrued on a Loan that is added to the principal amount of such Loan instead of being paid as it accrues. Find the highest interest rates from 423 banks and credit unions for your savings. They are considered a low-risk investment option as the principal investment is typically guaranteed by the insurance company, and the interest rate credited to the contract is also guaranteed, meaning that even if the stock market index performs poorly, the investor will not lose any of their principal investment. Variable annuities are long-term financial products designed for retirement purposes. An element is considered non-guaranteed if any of the underlying non-guaranteed elements are used in its calculation. This guide will discuss how guaranteed interest accounts work and examine some of the best plans available today. We will credit your registered account number within 24 hours from when you send in the instruction (via the website, MyAXA App or *987#) and all outstanding documents are in place. With whole life insurance, the savings component (cash value) grows at a fixed rate over time, and you can use it to help cover expenses in retirement. By e-mail: life-service@axa.us.com By fax: 1-855-268-6378 AXA Equitable Life Insurance Company 1290 Avenue of the Americas New York, NY 10104 savings account that offers guaranteed interest rates, Treasury inflation-protected securities (TIPS), the account holder to receive a higher interest rate if market. How is the AXA Mansard Equity Income Fund different from a Mutual Fund? For example, investment-grade bonds and junk bonds are two types of low-risk investments. When it comes to investing, there is no such thing as a guaranteed interest rate. It also includes a paid-up death benefit guarantee that ensures the policy will remain in force regardless of investment performance. I've had this account since 2004, hence the good rate. The minimum amount required after your initial investment is 1,000.00. The Best Safe Investments With High Returns, How To Invest In Stocks For Retirement Safely, How To Avoid Paying Taxes on An Inheritance, How To Keep Up With Inflation in Retirement, Converting Retirement Plans Into Income Efficiently, Paying Healthcare and Long-Term Care Costs. They can provide a steady income stream and be a good addition to a diversified portfolio. We will not limit or terminate allocations to the Guaranteed Interest Option unless so provided in the Data Pages. All third party trademarks, including logos and icons, referenced in this website, are the property of their respective owners. You can get a guaranteed return of 4.5 percent. tE,-I1ka5CYqEya8*{ 4~vR0G_)i>00|7S5RIaLS^YoR{+u:*vnb0PXelysK+gp $z?! Annuity and Insurance Agency1050 Crown Pointe ParkwayAtlanta, GA 30338, AnnuitiesLife InsuranceTravel InsuranceLong Term Care InsuranceShop InsuranceGet a Free QuoteContact Us, About usPrivacy PolicyHow We WorkIn The PressCustomer Reviews. 0000002320 00000 n You can also write to us at our Administrative Office. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Earnings for the day can be computed using - rate/365*principal. They are considered safe investments but can be volatile in the short term. In exchange, the bank agrees to pay you a fixed interest rate. The Money Market Fund is a secure, open ended mutual fund that invests in short term securities such as Treasury Bills, Commercial Papers and Fixed Deposits. Its important to shop around and compare interest rates and other product features from multiple banks and credit unions. Additionally, the interest rate on a fixed annuity is guaranteed for the annuitys term, which means that even if interest rates fall, the rate on your annuity will not change. I need to make a claim on my vehicle insurance. axa guaranteed interest account. 2. Adults, Children and Corporations. These include annuities, government bonds, and bank savings accounts. | Privacy Policy | Disclaimer. Remember that risk is always involved when investing in the stock market. The DIA offers a fluctuating annual interest rate that is compounded daily and credited monthly*. While you can earn a higher rate of return with a fixed-indexed annuity, its important to remember that this type of investment is riskier than a traditional fixed annuity. Yes, in addition to the basic requirements, we require an authenticated proof of address. These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times. If youre looking for a higher interest rate, you may consider a fixed-indexed annuity. Unfortunately, whole life insurance policies have higher premium costs than term life insurance policies, and the policys cash value component is not guaranteed to cover the death benefit. Unfortunately, fixed annuities may have restrictions such as early withdrawal penalties, and most have high fees and expenses that can eat away at the return. This means that you will always have at least some return on your investment, even if inflation is low. Annuities can be an excellent option for guaranteed income in retirement. Equitable Financial assigns an interest rate to all amounts allocated to the Guaranteed Interest Option. How do I go about it? Single-premium: You purchase the annuity with dA]@ Phoenix, AZ 85007-2624. Try our most frequently asked questions Chat with our advisor to get products tailored for you, Reach us through any of the following channels, You can also request for a call from one of our Agents, please provide your details below. However, its essential to do your research before investing in one of these plans. Dear Customer, to proceed with your Non Discretionary Portfolio(Naira) Investment, you are required to take a risk appetite assessment. Note that the interest rate credited to the contract is based on the underlying indexs performance and may not increase over time. However, you can invest in stocks or mutual funds that have the potential to provide you with a higher return. High-yield savings accounts offer a higher interest rate than traditional savings accounts. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and . Ive been featured in Time Magazine, Yahoo! 100 North 15 Avenue, Suite 261. How Does A Guaranteed Interest Account Work? Arizona Life & Disability Insurance Guaranty Fund. 1. 'jGiy=+pOt(RJAt@9.f4V\XO&A@)h1cq*E4BU6VfAel(!'heNVbTi| VG4=ph/WQVY6;K6Z[dZ. You are advised to view the Equity Income Fund as a long term investment as it is very volatile but tends to outperform the money market fund in the long term. Guaranteed funds are investment accounts that offer a guaranteed rate of return. What Is The Risk Of Guaranteed Interest Accounts? The . To open an Investments account with AXA Mansard, kindly visit www.axamansard.com and click on Sign up. It aims to optimize returns on free cash flow offering returns that outperform regular savings accounts. Our GIAs provide security of principal with a guaranteed rate of return. Stated Interest Rate means a rate (whether fixed or variable) at which an obligation by its terms is stated to bear simple interest. This is what would be the bond portion of my 403b and represents 40% of my account value. Additional documents required include government issued proof of identification, passport photo, proof of address (utility bill) and signature. What is the procedure for Corporate Organizations to invest in Money Market Fund? They are subject to the same market risks as any other investment, and there is no guarantee that you will make money by investing in a mutual fund. To make a claim, please click on the make a claim button on the website. However, they are also a safer option. What does the AXA Mansard Money Market Fund invest in? Whole life insurance is a type of permanent life insurance policy that provides a guaranteed death benefit to the policyholders beneficiaries in the event of their death, as well as cash value accumulation over time. If youre concerned about safety, you may consider investing in a government-backed plan. GIAs are also Tax-Free Savings Account (TFSA) eligible. Equitable Life Savings & Retirement Webinar Series features Global Equity Investing Using a First Principles Approach, CapIntel Partners with Canadian Financial Services Leader Equitable Life to Enhance Experience for Financial Advisors and Customers, Anytime. Some guaranteed return plans have high fees, which can affect your earnings. Even with a guaranteed interest account (GIA), there is always some interest rate risk. Deferred annuities may be a good option for those looking for a guaranteed rate of return and a secure retirement income, but be mindful of penalties and fees. When you invest in a fixed annuity, you make a lump sum payment or series of payments, and in return, you receive a guaranteed stream of income for a certain period, usually, after you retire. 0000001136 00000 n The AXA Mansard Money Market Fund enables you save in low-risk, very liquid, short-term instruments. Some guaranteed interest accounts, like CDs, may charge a penalty if you redeem your investment before maturity. endobj How Much Should I Have in Retirement at 40? 8aI4a0H_\H3D0014Zs8KB8<=203 iF ` 1 Guaranteed Interest Accounts guarantee the return of principal plus compound interest earned over a defined term - 3, 5 or 10 years - provided all contributions remain in the account until the end of the guarantee period. The amount of any Guaranteed Indebtedness at any time shall be deemed to be an amount equal to the lesser at such time of (x) the stated or determinable amount of the primary obligation in respect of which such Guaranteed Indebtedness is incurred and (y) the maximum amount for which such Person may be liable pursuant to the terms of the instrument embodying such Guaranteed Indebtedness, or, if not stated or determinable, the maximum reasonably anticipated liability (assuming full performance) in respect thereof. In other words, the rate will remain the same for a specified period, usually one year or longer. Contact us today for a quote on our guaranteed interest accounts. What is the minimum subsequent amount to invest in the Equity Income Fund? trailer How is the Money Market Fund different from a Mutual Fund? 2 0 obj However, you can change your cookie settings at any time. 0000003753 00000 n 0000001431 00000 n The rate of interest is guaranteed and will not change, regardless of the stock markets performance or other economic conditions. So, for example, if you invest $100 in a one-year plan with a guaranteed return of five percent, you will earn $105 at the end of the year. Guaranteed Interest Rate - the effective annual rates at which interest accrues on the amount allocated to the Guaranteed Interest Option. It is calculated everyday as the weighted average of the rates of the securities the Fund is invested in. In addition to our mutual funds, AXA Mansard Investments offers investment options in: No, the mutual funds only accept Naira. }dQ*4?Rh`q)|=y[:eUG!_r0X)]w;HK}d' How do I open an account with AXA Mansard Investments? All Rights Reserved. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. Transfers out of the Guaranteed Interest Option will be limited (see prospectus for details). It is composed of different assets such as stocks, bonds, cash etc. Fixed indexed annuities (FIAs) are a type of annuity contract offered by insurance companies that offer a guaranteed rate of return for a specific period, with the potential for additional returns based on the performance of a stock market index such as the S&P 500. with this Ponzi Scheme, and the general public is strongly advised to refrain from having any dealings with it. These securities are very low risk and have low volatility. Group Retirement accounts call (800) 755-7777. Investing in a guaranteed interest account is a great way to secure your money, as there is very little risk. For a corporate account, we will require passport photographs and ID cards of the signatories as well as the incorporation/registration documents, Board Resolution and Utility Bill. The guaranteed interest option is part of what your policy and other supplemental material may refer to as the "Guaranteed Interest Account" or "Guaranteed . endobj Fixed annuities are considered to be very safe investments. axa guaranteed interest accountone vote less political cartoon. https://www.newyorklifeinvestments.com/assets/documents/stable-value/nylim-guaranteed-interest-account-529-plans.pdf. Equitable Life Savings & Retirement Webinar Series welcomes Fidelity Investments Canada. Equitable Life's GIAs offer security of principal with a guaranteed rate of return. What is the minimum initial amount I need to invest in the Equity Income Fund? Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. It comes with over 80 subaccount choices for cash value. Guaranteed return investments, such as savings accounts, CDs, and annuities, are considered safety investments mainly because of the principal guarantee, not to mention the guaranteed rates of return. Notable Features Accrued interest will be paid at the end of the 10-year period Policy year Policy year Easy Personal Loan by Anyone. Bonds are not guaranteed and can decrease in value based on high-interest rate environments. axa guaranteed interest account. This makes fixed-indexed annuities one of the most attractive investment options available today. Guaranteed return investments are typically considered safe investments, but the company offering the plan is always at risk of going out of business.