Two of the crediting strategies on selected EquiTrust annuities are based on the Goldman Sachs Dynamo Strategy Index (the “Index”) – a “multi-asset index” which allocates among several asset classes (equity, fixed income, commodity, real estate and cash) and features a “risk-control” element. The Index is customized exclusively for EquiTrust.
Premium is not invested directly in the Index or underlying components; rather, index credits are linked to returns of the Index. The goal of the Index is to deliver the highest risk-adjusted returns subject to a target volatility.
The Index uses historical returns and volatilities to determine the allocation across the underlying components on a monthly basis. The index can also allocate to a cash component to help reduce the volatility. The index is designed to deliver:
For Index overview and performance, visit the Index-sponsor website: www.GoldmanSachsIndices.com. Additional Index detail available on the calculation-agent website: www.solactive.com; enter the ticker symbol GSDYNMO5.
The Goldman Sachs Dynamo Strategy Index is sponsored by Goldman Sachs. Any crediting option and the terms related to any such crediting option may be modified or eliminated in the future. The DynaMARC Index Annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively referred to as “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in annuities generally or in fixed indexed annuities or the investment strategy underlying such annuities particularly, the ability of the Goldman Sachs Dynamo Strategy Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Dynamo Strategy Index or the suitability of purchasing or holding interests in this annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this annuity into consideration in determining, composing or calculating the Goldman Sachs Dynamo Strategy Index.
GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS DYNAMO STRATEGY INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
“Goldman Sachs,” “Goldman,” and “Goldman Sachs Dynamo Strategy Index” are trademarks or service marks of Goldman Sachs & Co. LLC and have been licensed for use by EquiTrust Life Insurance Company for use in connection with certain fixed indexed annuities.