This chart highlights the 67 positive years of return of the S&P 500 .
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This information is hypothetical and not representative of any particular product. Past performance does not guarantee future results.
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Returns up to 6%
In 10 years or 15% of the time, returns ranged between 0-6%.
Returns up to 12%
In 19 years or 28% of time, returns ranged between 0-12%.
Returns up to 18%
In 27 years or 40% of the time, returns ranged between 0-18%.
Returns up to 24%
In 44 years or 66% of time, returns ranged between 0%-24%.
Returns 24%+
In 67 years or 100% of the time, returns
were positive.
A strategy such as an annuity could provide you various options to participate in opportunities for growth.
INVESTMENT AND INSURANCE PRODUCTS ARE:
• NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ANY BANK OR ITS AFFILIATES
• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
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Buffers and floors are available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
This chart highlights the negative periods of the S&P 500 . In these 21 down years, strategies that offered a level of downside protection that could protect your account value in the case of a negative index return, such as a buffer within an annuity, could have helped limit your losses. That could have helped you feel more confident and stay the course.
®
This information is hypothetical and not representative of any particular product. Past performance does not guarantee future results.
Click below to learn more
In 2000
Your loss with a 5% buffer would
have been only 4.1% because you would have been protected from the initial 5% decline.
A 5% buffer would have protected you from a loss in 5 of those 21 down years, or 24% of the time.
Conversely, you would have seen a loss in the other 16 periods.
Conversely, you would have seen a loss in the other 16 periods.
5% Buffer
5% Buffer
In 1973
During this period, your loss with a
10% buffer would have been only 4.7% because you would have been protected from the initial 10% decline.
A 10% buffer would have protected you from any loss in 12 of those 21 down years, or 57% of the time.
Conversely, you would have seen a loss in the other 9 periods.
Conversely, you would have seen a loss in the other 9 periods.
10% Buffer
10% Buffer
In 2022
During this period, your loss with a
15% buffer would have been only 3.1% because you would have been protected from the initial 15% decline.
A 15% buffer would have protected from any loss in 16 of those 21 years, or 76% of the time.
Conversely, you would have seen a loss in the other 5 periods.
15% Buffer
15% Buffer
In 2002
During this period, your loss with a
20% buffer would have been only 2.1% because you would have been protected from the initial 20% decline.
A 20% buffer would have protected from any loss
in 17 of those 21 years, or 81% of the time.
Conversely, you would have seen a loss in the other 4 periods.
20% Buffer
20% Buffer
In 2008
During this period, your loss with a
30% buffer would have been only 7% because you would have been protected from the initial 30% decline.
A 30% buffer would have protected from any loss
in 19 of the 21 years, or 90% of the time.
Conversely, you would have seen a loss in the other 2 periods.
30% Buffer
30% Buffer
A 100% buffer would have protected from any loss in all of these years or 100% of the time.
Conversely, you may not have seen as much growth potential in up markets.
100% Buffer
100% Buffer
If you have a hard time staying the course in your investment approach, strategies that offer a level of downside protection might be right for you.
Emotions and
the market
Down markets
Up markets
Learn from history
Next steps
Reduce motion
Emotions and the market
Learning from the history of the S&P 500
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Reflecting on the past 88 years (1937-2024) of the S&P 500 , market returns have fluctuated quite a bit. While market ups and downs can be overwhelming, they are a normal part of the investment journey. Historically, investors who took a longer term approach typically saw better results.
While there are many factors that can affect your returns—including volatility, interest rate changes, or inflation—the biggest factor is making decisions based on emotion.
Did you know?
Investors making decisions during periods of market stress saw average growth of only 3.4%—compared to the growth of the S&P 500 , which grew 9.7% during the same period.
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Source: ClearBridge Investments; Anatomy of a recession December 31, 2024.
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