The AG Simulator generates hypothetical, back-tested illustrations based on historical market data. All projections, scenarios, and results are for educational and illustrative purposes only and do not represent actual investment results. Hypothetical results have inherent limitations - they are prepared with the benefit of hindsight, reflect assumptions provided by the user, and do not reflect the impact of economic and market factors on actual decision-making.
Historical returns used in this software - including, without limitation, S&P 500 total returns, U.S. aggregate bond index returns, and blended portfolio scenarios - are based on past data and do not guarantee or predict future performance. Market conditions, interest rates, inflation, and other economic factors may differ materially from historical periods. All investments involve risk, including the potential loss of principal.
Nothing on this website or within the AG Simulator - including reports, projections, comparisons, or AI-generated responses - constitutes investment advice, tax advice, legal advice, or a recommendation to purchase, sell, or hold any security, annuity, or financial product. The AG Simulator is a planning and illustration tool designed to assist licensed financial professionals. Annuity income projections and comparisons are based entirely on user-entered assumptions and do not represent guarantees from any insurance carrier. Actual annuity contract terms, crediting methods, rider fees, surrender charges, income riders, and death benefits vary by carrier and product.
Tax calculations, RMD projections, and related figures are simplified estimates based on user inputs and current IRS guidelines. They do not account for individual tax situations, itemized deductions, credits, alternative minimum tax, state-specific taxes, or future changes in tax law. Consult a qualified tax professional for personalized tax advice. The Algo AI assistant is powered by artificial intelligence; its responses do not constitute professional advice of any kind and should be independently verified.
While we strive for accuracy, Annuity Giants makes no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of any data, calculations, or results. TO THE FULLEST EXTENT ALLOWED BY LAW, none of Annuity Giants or any of its affiliates and their respective owners, officers, employees, consultants, representatives, agents and advisors will be liable for any claims, damages, losses, liabilities, or expenses arising from use of this software. Users are solely responsible for verifying all inputs and outputs, maintaining applicable licenses, and complying with all federal, state, and local regulations.
Trademark Notice: S&P®, S&P 500®, and Standard & Poor's® are registered trademarks of Standard & Poor's Financial Services LLC, a division of S&P Global. Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC. The AG Simulator is not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates. S&P Dow Jones Indices makes no representation or warranty regarding the advisability of using the AG Simulator.
