S&P 500 Capital Protegido
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Este documento presenta un plan de inversión indexado al S&P 500 que ofrece protección de capital e incluye características como aportes únicos o regulares, rendimientos históricos del índice en diferentes períodos, y garantías del capital invertido y bonos de lealtad dependiendo del plan elegido. El plan es administrado por varias instituciones financieras internacionales reconocidas y busca brindar una opción de inversión segura vinculada al crecimiento a largo plazo del mercado de valores estadounidense.
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S&P 500 Capital Protegido
- 3. Componentes : ESTRUCTURA DEL PRODUCTO
- 12. ESTRUCTURA DEL PRODUCTO
- 13. ESPECIFICACIONES * No habrá Bono de Lealtad para planes de contribución que hayan aportado menos de 10 años. Para que el Bono de Lealtad sea efectivo, todos los pagos de prima deben de haber sido debidamente recibidos. **** Durante los primeros 5 años de la Póliza, el mayor del valor entre el rescate en efectivo y la suma de las primas pagadas. Hasta un limite de $20.000,00 por año. Después de finalizar el término de los primeros 5 años, el Beneficio Garantizado por Defunción no será pagadero si el asegurado muere antes que finalice el primer año del Plan debido a enfermedad o condición física pre-existente a la fecha de emisión. Si las contribuciones planificadas no son sometidas durante los 60 días de periodo de gracia otorgado, este endoso se dará por terminado y no será restablecido. Los productos de Prima Única tienen un beneficio de valor garantizado de 101% en caso de defunción.
- 17. Fin de Año 1984–2004 Acciones, Bonos, Rentas, e Inflación Valor hipotético de $1 invertido al final del año 1925. Se asume una re-inversión de ingreso sin costos de transacción o impuestos. $1.82 Valor Final Retorno Promedio 3.0% Inflación $0 $1 $10 $100 1984 1989 1994 1999 2004 INVERSIONES Bonos de Tesoro $2.57 4.8% $7.80 10.8% Bonos de Gobierno $13.02 13.7% Acciones de Pequeñas Compañías $11.99 13.2% S&P 500 Index
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- Stocks, Bonds, Bills, and Inflation 1983–2003 Examining the past 20 years of capital market returns can provide historical insight into the performance characteristics of various asset classes. This image illustrates the hypothetical growth of a $1 investment in four traditional asset classes, as well as inflation, over the time period December 31, 1983 through December 31, 2003. As illustrated in this image, stocks produced greater returns and a higher ending wealth value than that of fixed income investments. However, the higher returns of stocks are associated with greater volatility (risk). Furthermore, small company stocks may be subject to a higher degree of market risk than large company stocks. The information presented herein is for illustrative purposes only and not indicative of any investment. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The average return represents a compound annual return. Government bonds and Treasury bills are guaranteed by the full faith and credit of the United States government as to the timely payment of principal and interest. Bonds in a portfolio are typically intended to provide income and/or diversification. U.S. government bonds may be exempt from state taxes, and income is taxed as ordinary income in the year received. With government bonds, the investor is a creditor of the government. Stocks are not guaranteed and have been more volatile than the other asset classes. Large company stocks provide ownership in corporations that intend to provide growth and/or current income. Small company stocks provide ownership in corporations that intend to seek high levels of growth. Small company stocks are more volatile than large company stocks and are subject to significant price fluctuations, business risks, and are thinly traded. Capital gains and dividends received may be taxed in the year received. Underlying data is from the Stocks, Bonds, Bills, and Inflation ® (SBBI ® ) Yearbook, by Roger G. Ibbotson and Rex Sinquefield updated annually. An investment cannot be made directly in an index. Past performance is no guarantee of future results. Source: Large Company Stocks—Standard & Poor’s 500 ® , which is an unmanaged group of securities and considered to be representative of the stock market in general; Small Company Stocks—represented by the fifth capitalization quintile of stocks on the NYSE for 1926–1981 and the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio thereafter; Government Bonds—20-year U.S. Government Bond; Treasury Bills—30-day U.S. Treasury Bill; Inflation—Consumer Price Index.