Indexed annuity adalah kontrak anuitas dengan pembayaran bunga berdasarkan kinerja indeks pasar tertentu, misalkan seperti Jow Jones, S&P 500, Nasdaq, dll, artinya ketika pasar keuangan bekerja baik, maka investor akan mendapatkan keuntungan tinggi lebih dibandingkan dengan anuitas tetap dengan tingkat bunga tetap ataupun anuitas variabel dengan tingkat bunga mengacu pada portfolio sesuai anuitas yang dipilih oleh investor. Sebaliknya ketika pasar keuangan turun, ada perlindungan yang disertakan sehingga investor tidak mengalami kerugian besar. Kedua faktor itu membuat anuitas terindeks menarik di mata investor.
Participation rate ini beragam, mulai dari 100% artinya semua keuntungan akan dikreditkan, dan serendah-rendahnya sebesar 25%. Pada umumnya anuitas terindeks yang beredar di pasar, menawarkan tingkat participation rate rentang 70% sd. 90% khususnya pada awal-awal tahun kontrak anuitas. Perhitungannya sebenarnya cukup kompleks dan rumit, sederhanaya misalkan saja dengan kenaikan indeks sebesar 20% pada tingkat rate partisipasi sebesar 80% maka keuntungan yang dikreditkan sebesar 15% dan participation rate ini semakin berjalan tahun akan semakin turun.
Ada batasan hasil, ada batasan tarif
Selain batasan hasil dan keuntungan, anuitas terindeks ini juga memberlakukan batasan tarif yang pada akhirnya ini akan mengurangi jumlah keutungan yang akan dikreditkan ke akun. Ambil contoh misalkan pada batasan suku bunga sebesar 6.5% klausul kontrak memberikan penghasilan maksimal juga hanya sebesar 6.5% tidak peduli seberapa besar indeks saham mengalami kenaikan, dengan tarif yang dikenakan rentang 5% sd. 15%.
Ada batasan hasil, ada batasan tarif
Selain batasan hasil dan keuntungan, anuitas terindeks ini juga memberlakukan batasan tarif yang pada akhirnya ini akan mengurangi jumlah keutungan yang akan dikreditkan ke akun. Ambil contoh misalkan pada batasan suku bunga sebesar 6.5% klausul kontrak memberikan penghasilan maksimal juga hanya sebesar 6.5% tidak peduli seberapa besar indeks saham mengalami kenaikan, dengan tarif yang dikenakan rentang 5% sd. 15%.
Jadi kalau kita ambil kembali contoh seperti di atas, dengan participation rate 80%, kenaikan indeks 20% dengan keuntungan sebesar 15%, ini akan dikurangi lagi sampai pada angka 6.5%. Itu sebabnya ketika Anda hendak membeli kontrak anuitas terindeks, penting untuk menanyakan berapa tingkat pertisipasi dan batasan tarifnya, karena keduanya akan mengurangi keuntungan yang Anda dapatkan dari setiap kenaikan pasar yang terjadi.
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