Bucket three
The Growth Bucket
This is the money with time on its side — and the reason the first two buckets exist.
$970,000
This money has time. Because the first two buckets cover the next several years of spending, this portion can stay invested through a market cycle rather than being sold into one.
This money’s job
Grow, and protect your purchasing power from inflation.
What that means
- Long-term growth
- Inflation protection
- Purchasing power
- Legacy
How should the invested portion be managed?
All three hold the same kinds of investments — they differ in how much sits in stocks versus bonds. Pick the one that fits.
The most protection this bucket can hold while still targeting the 5.2% your plan needs, keeping at least 30% invested for long-term growth.
How much should be protected from market loss?
Moving part of this bucket into a contract lowers the risk of the whole thing — which is what lets the rest stay invested more aggressively than it otherwise could.
Return
Risk
Across all three buckets. This Growth bucket is 69% of your portfolio and targets 7.2% on its own.
Aggressive Model — invested in the market
7.8% modeled · risk 85 · no principal protection
FIA — protected from market loss
6.1% · Hypothetical · risk 14
MYGA — protected from market loss
5.45% · Guaranteed rate · risk 4
Prototype approximation — an allocation-weighted blend of strategy risk values, not a correlation-based measure.
What a year could look like
How much ground each option has covered in a single year, and where your mix sits beside them. Hover any bar for the detail.
Aggressive Model
70%
Moderate Model
Not used
Conservative Model
Not used
FIA
20%
MYGA
10%
Your Growth mix
Blended
A bar spans the range of annual results a strategy has modeled or credited, with the dot marking its expected return — not a prediction. A contract shows an upright mark instead of a bar because it credits the same rate every year of its term rather than varying.
Modeled returns are forward-looking assumptions, not projections or promises. No portfolio shown here is certain to achieve the return modeled, and any portfolio containing market investments can lose value.
Portfolio risk scores shown here are prototype approximations calculated from allocation-weighted strategy risk values. They are intended to illustrate relative risk between options, not to serve as a precise measure.
Annuity guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not FDIC insured, not bank guaranteed, and not backed by any federal government agency.
A MYGA is an insurance contract, not a bank product or a CD. The rate is fixed for a stated term. Withdrawals above the contractual free amount before the term ends may be subject to surrender charges and a market value adjustment, and withdrawals before age 59½ may incur an additional 10% federal tax penalty.
Hypothetical results show what the current crediting strategy and locked cap would have produced had they been applied to historical index values over the period shown. These results are hypothetical, did not actually occur, and are not a guarantee or prediction of future results. Caps and rates are subject to change on contract renewal.
Index-linked interest is credited according to the contract's crediting method and is limited by the cap and any participation rate. You are not investing directly in the index and do not receive index dividends.
A risk tolerance score reflects the level of investment risk discussed with your advisor. It is a planning input, not a limit on how much a portfolio can lose.
This presentation is for discussion purposes and is not a recommendation to buy or sell any security or insurance product. Figures shown are estimates based on assumptions entered by your advisor and will differ from actual results.