Index Strategy Returns

Which strategy should clients choose? The fact is, no single strategy performs best every year. This tool aims to show how diversifying premium allocation across multiple index options may be an effective way to achieve long-term savings goals. 

Select the product and product version to view index crediting returns over the most recent 10 calendar-year period.

Results will display here after product selections are made.

Athene Associates

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Strategy Performance Comparison Chart

This chart compares the performance of each one-year strategy over the most recent 10 calendar-year period (from highest to lowest). When applicable, year-to-date performance reflects data through the end of the most recent quarter.

This chart compares the performance of each one-year strategy (with no strategy charge) over the most recent 10 calendar-year period (from highest to lowest). When applicable, year-to-date performance reflects data through the end of the most recent quarter.

Select an index to visually highlight its performance.

Strategy Performance from to

Index Cap Rate Par Rate Worst Year Best Year

Use the tool to compare the performance of each one-year strategy over the most recent decade.

Data shown is based on a 10-year period from 12/31/2013 – 3/31/2024 assuming a premium amount of $100,000. When applicable, year-to-date performance reflects data through the end of the most recent quarter. Performance prior to index launch dates reflects back-tested results, which is not actual performance but calculated by applying the index methodology to historical financial data. While all indices may not have been available for the full time period, the index components were. These hypothetical examples are for informational purposes only and are not indicative of past, nor intended to predict future performance. Please see each individual index page for additional information.

*Denotes strategy performance would have resulted in a 0% return. 
^A portion or all of the year’s performance is based on back-tested history.

The full name of the S&P 500 FC Index is S&P 500 FC TCA 0.50% Decrement Index (USD) ER.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

Index Crediting strategies may be added or eliminated at the company’s discretion. If a strategy is eliminated, its value will be reallocated to the Fixed Strategy. All strategies may not be available in all states.

A diversified allocation does not ensure positive interest credits in any given year.

AI Powered Global Opportunities Index • The AI Powered Global Opportunities Index (the “AiGO Index”) is the exclusive property of EquBot Inc (“EquBot”) and administered, calculated, and published by MerQube, Inc. (“MerQube”).

AI Powered US Equity Index • The AI Powered US Equity Index (the “AiPEX Index”) is the exclusive property of EquBot and is administered, calculated, and published by Solactive AG (“Solactive”). We also refer to each of the AiGO Index and the AiPEX Index herein as an “Index” and, together, the “Indices.”

Equbot, AiGO, AiPEX, “AI Powered Global Opportunities Index”, and “AI Powered US Equity Index” (collectively, the “Marks”) are trademarks or service marks of EquBot and have been licensed by HSBC and sub-licensed by Athene Annuity and Life Company (the “Company”) for use in a fixed indexed annuity offered by the Company. The fixed indexed annuity is not, in whole or in part, sponsored, structured, priced, endorsed, offered, sold, issued or promoted by EquBot, HSBC, MerQube, Solactive or any of their affiliates. EquBot and HSBC’s only relationship to the Company is the licensing of the Indices and Marks for certain purposes. MerQube and Solactive’s only relationship to the Company is with respect to administering, calculating and publishing the AiGO and AiPEX Index, respectively. EquBot, HSBC, MerQube and Solactive shall not have any liability with respect to a fixed indexed annuity in which an interest crediting option is based on an Index and are not liable for any loss relating to the fixed indexed annuity, whether arising directly or indirectly from the use of an Index, its methodology, any Mark or otherwise. None of EquBot, HSBC, MerQube or Solactive have any obligation to take into consideration any of the needs of the Company or any of the owners, annuitants or beneficiaries of the fixed indexed annuity in designing, calculating, administering or licensing the Indices.

NONE OF EQUBOT, HSBC, MERQUBE, SOLACTIVE OR THEIR SUPPLIERS GUARANTEES THE ACCURACY, ADEQUACY, TIMELINESS, COMPLETENESS OR AVAILABILITY OF THE AIGO INDEX OR ANY COMPONENT THEREOF OR DATA INCLUDED THEREIN, OR THAT NO ERROR, OMISSION, DELAY OR INTERRUPTION WILL EXIST THEREIN. NONE OF EQUBOT, HSBC, MERQUBE, SOLACTIVE OR THEIR SUPPLIERS MAKES ANY REPRESENTATION OR WARRANTY, AND EACH OF HSBC, EQUBOT, MERQUBE, SOLACTIVE AND THEIR SUPPLIERS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THOSE REGARDING (I) MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, AND (II) THE ADVISABILITY OF ANY PERSON INVESTING IN THE FIXED INDEXED ANNUITY.

No purchaser, seller or holder of the fixed indexed annuity, or any other person or entity, should use or refer to any Mark or other EquBot trade name to sponsor, endorse, market or promote the fixed indexed annuity without a license from EquBot and HSBC. Under no circumstances may any person or entity claim any affiliation or association with EquBot, HSBC, MerQube or Solactive without the prior written permission of EquBot, HSBC, MerQube or Solactive.

In calculating the performance of each of the Indices, EquBot deducts a servicing cost of 0.85% per annum for the AiGO Index, and a servicing cost of 0.50% per annum for the AiPEX Index, calculated on a daily basis. Such costs may vary over time with market conditions. These costs reduce the potential positive change in the Indices and thus the amount of interest that will be credited to the fixed indexed annuity option based on each of the Indices.

The volatility control applied by Equbot may reduce the potential positive or negative change in each of the Indices and thus the amount of interest that will be credited to the fixed indexed annuity option that is based on either of the Indices.

Nothing provided herein should be construed as HSBC, Equbot, MerQube, Solactive or any of their suppliers providing tax, legal, or investment advice nor are HSBC, EquBot, MerQube, Solactive or any of their suppliers recommending engaging in any investment strategy or transaction.

BNP Paribas Multi Asset Diversified 5 Index • The BNP Paribas Multi Asset Diversified 5 Index (the “BNPP MAD 5 Index”) is the exclusive property of BNP Paribas or one of its affiliates (BNP Paribas and its affiliates are hereinafter called “BNPP”) and is determined, composed and calculated by BNPP. “BNP”, “BNPP”, “BNP Paribas”, “BNPP MAD 5 Index” and “BNP Paribas Multi Asset Diversified 5 Index” (collectively, the “BNPP Marks”) are trademarks or service marks of BNPP and have been licensed by Athene Annuity and Life Company (the “Company”) for use in a fixed indexed annuity offered by the Company. The fixed indexed annuity is not, in whole or in part, sponsored, structured, priced, endorsed, offered, sold, issued or promoted by BNPP or any of its affiliates, or any third party licensor of information to BNPP. BNPP’s only relationship to the Company is the licensing of the BNPP MAD 5 Index and BNPP Marks for certain purposes. BNPP shall not have any liability with respect to a fixed indexed annuity in which an interest crediting option is based on the BNPP MAD 5 Index, and is not liable for any loss relating to the fixed indexed annuity, whether arising directly or indirectly from the use of the BNPP MAD 5 Index, its methodology, any BNPP Mark or otherwise.

In calculating the level of the BNPP MAD 5 Index, BNPP deducts a servicing cost of 0.50% per annum, calculated on a daily basis. In addition, the BNPP MAD 5 Index methodology embeds certain costs which cover among other things, rebalancing and replication costs. Such costs may vary over time with market conditions. These costs reduce the potential positive change in the BNPP MAD 5 Index and thus the amount of interest that will be credited to the fixed indexed annuity that includes the BNPP MAD 5 Index.

Nasdaq FC Index • BofA Securities, Inc. and its affiliates (“BofAS”) indices and related information, the name “BofAS”, and related trademarks, are intellectual property licensed from BofAS, and may not be copied, used, or distributed without BofAS’s prior written approval. The products of licensee Athene Annuity and Life Company have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by BofAS. BOFAS MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, ANY RELATED INFORMATION, ITS TRADEMARKS, OR THE PRODUCT (INCLUDING WITHOUT LIMITATION, ITS QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).

Nasdaq® is a registered trademark of NASDAQ, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by BofA Securities, Inc. The Product has not been passed on by the Corporations as to its legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT.

S&P 500® Index and S&P 500 FC Index • The S&P 500® Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“S&P DJI”) and have been licensed for use by Athene Annuity and Life Company (“Athene”). S&P®, S&P 500®, SPX®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Fast Convergence and FC are trademarks of BofA Securities, Inc. and/or its affiliates (“BofAS”). BofAS has licensed the Fast Convergence (FC) patented methodology and related trademarks to S&P DJI for use in the S&P 500 FC TCA 0.50% Decrement Index (USD) ER. Athene’s products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, BofAS or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.

UBS Innovative Balanced Index • UBS AG and its affiliates (“UBS”) do not sponsor, endorse, sell, or promote any Athene annuity (the “Product”). A decision to purchase the Product should not be made in reliance on any of the statements set forth in this material. Prospective purchasers are advised to purchase the Product only after carefully considering the risks associated with the Product, as detailed in a disclosure document or prospectus that is prepared by or on behalf of Athene Annuity and Life Company (“Licensee”), the issuer of the Product. UBS has licensed certain UBS marks and other data to Licensee for use in connection with the Product and the branding of the Product, but UBS is not involved in the calculation of the Product, the construction of the Product’s methodology or the creation of the Product. Nor is UBS involved in the sale or offering of the Product, and UBS does not make any representations or warranties with respect to the Product.

Athene Accumulator GEN (09/15) NB and Athene Accumulator Legacy Rider ICC16 GMDB (06/16); Athene Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18); Athene Ascent Pro GEN (09/15) NB, GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 (09/15); Athene Ascent Pro 10 Bonus GEN10 (04/14); Athene Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) Athene Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14); Athene Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Product not available in all states.