|Total operating expenses||TOTAL_OPERATING_EXPENSES|
|Total fees and sales charges||TOTAL_SALES_AND_FEES|
|Final fund balance||TOTAL_FUND_VALUE|
|Profit or loss||TOTAL_PROFIT|
|Your Inputs and Result Details|
|Annual rate of return*||RATE_OF_RETURN for a holding period of HOLDING_PERIOD years|
|Sales charge (front-end load)||TOTAL_FRONT_END_LOAD (FRONT_END_LOAD of initial investment amount of INVESTMENT_AMOUNT)|
|Deferred sales charge (back-end load)||TOTAL_BACK_END_LOAD (BACK_END_LOAD BACK_END_LOAD_CALC)|
|Other fees and commissions||OTHER_FEES_AND_COMMISSIONS|
|Total operating expenses (before conversion if applicable)||TOTAL_OPERATING_BEFORE|
|Does this fund convert to a different class?||MSG_DOES_THIS_FUND_CONVERT|
|Total operating expenses after conversion (if applicable)||TOTAL_OPERATING_AFTER|
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.
Some funds will have a deferred sales charge that decreases or is eliminated. This is called a Contingent Deferred Sales Charge (CDSC) and the actual deferred sales charge depends on the number of years you hold the fund. Make sure to enter the correct deferred sales charge for the number of years you will be holding this fund. Deferred sales charges can be calculated with either the original investment amount or the ending balance. This calculator assumes that this fee is calculated as a percentage of the investment amount.
We assume that all operating expenses are taken out of your balance at the end of the year, after your return for the year has been added to your account.
Please note that deferred sales charges do not have an opportunity cost since they are paid when your fund is sold. All other fees have the opportunity cost calculated when the costs are incurred.
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