Table: Buy a Contract on the Market

Annuity contract and indexALLIANZ POWERHOUSE, S&P 500

Annual ratchet, 125% participation rate. No fees, but 15% cap on returns. Best for bear or sideways markets.ING USG GENERATION PRO, S&P 500

Point-to-point calculation of returns, 100% participation rate minus 1.7% annual fee. Best for bull markets.MIDLAND NATIONAL DIRECT 10, Multiple

Annual ratchet, 100% participation for four different indexes. Fees vary greatly by index--from 1.5% for S&P 500 to 6% for the Russell 2000.

Data: Advantage Group;

Later, Baby

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