The Solution
    Historical Performance Comparison

    401(k) vs. Protected Rollover Strategy

    Illustrating how an indexed growth strategy (with a 10% annual cap and a 0% principal floor) compares against traditional S&P 500 exposure inside a standard employer 401(k) account over the last 20 years.

    Your Starting Balance

    Adjust your 401(k) balance to project historical performance from 2005 to 2025.

    $150,000
    $

    How This Comparison Works:

    Protected Rollover Strategy:Features a 0% floor so you never lose principal in market downturns. Plus, you never have to worry about management fees.
    Traditional 401(k) Strategy:They are directly tied to the market, you'll experience every drop, regardless of how major or minor they are.
    Discuss Your Personal Numbers

    Projected Rollover Balance

    $604,884

    0% Floor Protection Applied

    Projected 401(k) Balance

    $497,859

    Includes 2.5% annual fees & market losses

    Potential Strategy Advantage

    +$107,025 more with Protection

    Historical Growth Track

    Steady Through the Storms: Notice how the rollover strategy stayed level when the traditional 401(k) account suffered losses.

    Every Dollar Counts: Small differences in fees and market exposure can compound into a meaningful gap over time.

    Hypothetical Educational Illustration Only:

    This calculator is designed strictly for general educational purposes to demonstrate how an indexed cap-and-floor strategy functions relative to S&P 500 total market returns net of estimated 401(k) fees. It does not represent specific product performance or guarantee future results. Insurance and annuity products are issued by licensed insurance carriers. Contractual benefits and principal protections depend on the claims-paying ability of the issuing carrier. Tyrone Ward | The Solution is insurance-licensed and does not provide investment or tax advice. Consult a licensed professional regarding your specific situation.

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