FIA Performance Analyzer
See what your Fixed Indexed Annuity actually credited — and compare two hybrid approaches: pairing equity with your FIA vs. pairing equity with a fixed annuity.
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This tool uses general parameters. Your contract has specific terms, riders, and fees that change the picture. Get a free review with a written analysis — no cost, no obligation. Bill will personally reach out within one business day.
Get My Free Annuity Review →This tool is for educational and illustrative purposes only. It uses historical S&P 500 annual total return data (2003–2025) and simplified crediting calculations. Actual FIA crediting methods, bonus structures, rider fees, and contract terms vary by carrier and product. The hybrid portfolio illustrations use historical S&P 500 returns for the equity portion combined with either a fixed annuity rate or the FIA crediting method for the protected portion; they do not account for advisory fees, taxes, transaction costs, annuity contract fees, or surrender charges. Past performance does not guarantee future results. Equity investments involve risk of loss including loss of principal. Fixed annuity rates are subject to change and are guaranteed by the issuing insurance company. FIA caps, participation rates, and spreads can be changed by the carrier. This tool does not constitute financial, tax, or legal advice. Consult a qualified professional for guidance specific to your situation.
The S&P 500 Index, or Standard & Poor's 500 Index, is a market-capitalization-weighted index of 500 leading publicly traded companies in the U.S. It is unmanaged and cannot be invested into directly. All guarantees of an Annuity are backed by the claims paying ability of the issuing insurer.
When you use this calculator you assume responsibility for the information and results. We make no representation as to the completeness or accuracy of information provided by the calculator and are not liable for any issues or any consequences arising out of its use. This information should not be used as the primary basis for any investment decisions.
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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker/dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Aldrich Investment Management are not affiliated. Financial Professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction.