|Expected rate of return||RATE_OF_RETURN|
|Years of inflation||YEARS_TO_SAVE years|
The underlying data supplies an annual CPI rate and a base amount which represents the relative purchasing power for that year. For example, in 1980 the base amount was 82.4 compared to 224.9 in 2011. In this example, $224.90 in 2011 would have the same purchasing power as $82.40 in 1980. The calculations use the base amounts to calculate the difference between any two years. There are small data discrepancies and loss of precision through rounding in the underlying data supplied by the Federal Reserve. These discrepancies can cause differences between the annual change in base amounts and the stated CPI rate for any given year.
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.
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