Check the index has a real history

Many indexes are new. Their long track record is worked out backward, not lived. Index Tracker shows the difference.

Do it in Genius

Index tracker→ INCEPTION→ Live index data only

Practice Client, 3 Nov 2026: Live data only. An index launched 11/07/2025 shows 20.73% this year, 28.23% since launch, no 10-year figure.

Rates change every day, so yours will differ.

Open Index tracker in Genius (opens the app in a new tab)

In the app: Calculators → Index tracker

(opens full size in a new tab)

1. 1.

   Find the client's hot index and the S&P 500 in the same columns. Compare their Inception dates and 10 years returns.

   Back-tested

   Worked out afterward from past data. Not interest any client earned.

   An FIA is not the index: a down year credits zero, but a cap or participation limits the gain.

2. 2.

   Tick Live index data only. Years before the launch turn into dashes.

   That index keeps only 20.73% this year and 28.23% since launch. Older indexes keep more years.

3. 3.

   In Performance analyzer, set Account fees to its no-fee choice. Then set Index inception to Live only (10+ yrs).

   With the no-fee choice the list shows 4477 accounts. Without Live only (10+ yrs), a young index can still top the 10-year column.

   (opens full size in a new tab)

4. 4.

   Choose the strategy at Allocations in Annuity illustrator. Keep it simple: yearly reset, point to point, no averaging, a large index.

   Point to point

   The index is compared only at the start and at the end of the crediting period.

   A 2-year strategy still led the no-fee list. Use the Reset periods and Averaging types filters to remove it.