Guaranteed Account - CUNA Mutual Group

Every investor, regardless of age and circumstance,
can benefit from keeping a portion of their assets
in a stable value account. This can create a strong
foundation for an investor with a long timeline, and
helps protect a lifetime of hard work for investors who
are closer to, or in, retirement. So how much is enough
Though the actual investment amount will be
determined by an individual’s needs and risk tolerance,
this general rule is a starting point to discuss with your
investment professional:
Percentage invested in equities =
Your age – 30 = % Guaranteed Account
These examples illustrate different investing scenarios based on varying ages and life stages.
10%
Guaranteed
Account
20%
Guaranteed
Account
30%
Guaranteed
Account
90%
Equities
80%
Equities
70%
Equities
Sydney, age 40
(40 – 30 = 10)
Laurie, age 50
(50 – 30 = 20)
George, age 60
(60 – 30 = 30)
Guarantee of principal.
Your investment is guaranteed by CMFG Life
Insurance Company (CMFG Life). 2 Few investment
options can offer this kind of promise. The Guaranteed
Account can because it’s backed by the strength and
strong capital ratios of CMFG Life, an industry leader
for more than 75 years. CMFG Life has an “A” (excellent)
ranking from AM Best and a long history of stability. 3
No hidden fees.
With the Guaranteed Account there’s no guesswork
on the rate of return. The interest rate is set at the
time of investment, and you will receive 100% of the
declared interest rate. 4 You can figure out exactly
what your account is worth at any given time, without
worrying you’ll have to adjust later
for hidden fees.
Know your interest rate.
CMFG Life intends to declare new interest rates
quarterly, if necessary. You’ll have access to the new
rates when they go into effect.
Contributions, transfers, and withdrawals
at any time—without penalty or hassle.
You can move money into and out of the account
whenever the time is right for you, without surrender
charges, fees, or restrictions. 5 For investors, the
account is as liquid as most money market funds, but
with a guaranteed payback. 2
The option to create a lifetime income stream.
Unlike many stable value funds, the Guaranteed
Account can be converted to an annuity to provide
a steady flow of income throughout the retirement
years. You’ll have a choice of lifetime income options
to meet your unique retirement needs.