Looking Beyond U.S. Markets
The Case for Global Diversification
When it comes to retirement planning, many portfolios naturally lean toward U.S. markets. And for good reason—the U.S. has long been a major driver of global growth.
But today’s economy is broader, more connected, and increasingly global.
That’s where the MSCI World Index crediting strategy, available within a fixed indexed annuity, may be considered as part of a broader allocation approach.
Why diversification may mean going global
Diversification isn’t just about holding different sectors—it can also mean expanding beyond a single country.
The MSCI World Index tracks large- and mid-cap companies across 23 developed markets, offering exposure to a wide range of economies and industries. With more than 1,300 companies included, the index is designed to represent a significant portion of the market capitalization in each included country.
This kind of broad exposure helps reflect the global nature of many modern businesses.
A wider lens on opportunity
Many companies in the MSCI World Index generate revenue from multiple regions, not just where they’re headquartered. That means performance can be influenced by global trends, innovation, and economic activity across markets.
By incorporating a global index-based crediting strategy within an FIA, clients can:
- Broaden their exposure beyond the U.S.
- Access developed international markets
Diversify crediting allocations alongside U.S.-focused strategies
How it fits within a fixed indexed annuity
Within the Harbourview FIA, the MSCI World Index crediting strategy offers interest crediting potential tied to global developed markets—while maintaining the core benefit of principal protection, subject to contract terms, caps, participation rates, and other limitations.
It complements other available strategies, including:
- S&P 500® (broad U.S. market)
- Nasdaq-100® (innovation-focused companies)
- Russell 2000® (small-cap U.S. companies)
These options provide a range of index-linked crediting strategies within the contract.
The index is not a direct investment, and index performance does not represent the interest credited to the contract.
A practical way to diversify
For clients who want global exposure without added complexity, the MSCI World Index crediting strategy provides an additional index-linked crediting option within the annuity.
It’s not about replacing U.S. exposure—it’s about complementing it.
Learn more
Explore how the MSCI World Index crediting strategy can help bring global diversification to your retirement approach.
Guarantees are based on the claims-paying ability of the issuing insurance company. The Single Premium Fixed Indexed Annuity Contract [ICC19 OLA FIA], or variations of such are issued by Oceanview Life and Annuity Company (d/b/a Oceanview Life and Annuity Insurance Company in California). May not be available in all states. Not available in the state of New York or Vermont. Product features, limitations and availability may vary.
The Harbourview MYGA (Generic Policy Form ICC19 OLA SPDA) and Harbourview FIA (Generic Policy Form ICC19 OLA FIA) are single premium deferred annuities. May not be available in all states.
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Annuities issued by Oceanview Life and Annuity Company, 1331 17th Street, Suite 1050, Denver, CO 80202. In California, doing business as Oceanview Life and Annuity Insurance Company www.oceanviewlife.com.
Annuities are generally designed as long-term retirement solutions and have certain limitations. They are generally not intended to replace emergency funds, serve as income for day-to-day expenses, or support short-term savings goals. Please refer to the contract for complete details, including features, limitations, and charges.
This material is a general description intended for general public, educational use. Oceanview Life and Annuity Company is not providing investment advice for any individual or in any individual situation, and therefore nothing in this correspondence should be read as such.
Neither Oceanview Life and Annuity Company nor any of its representatives may provide tax or legal advice. Clients should consult their own qualified tax or legal advisors.
Contracts purchased in an IRA or other tax-qualified plan provide no additional tax-deferral benefit, since they are already afforded tax-deferred status. All annuity features, risks, limitations, and costs should be considered prior to purchasing an annuity within a tax-qualified retirement plan. For non-qualified annuities, tax deferral is not available to corporations and certain other entities.
Rates, renewal caps, and declared interest rates, will always follow contract provisions relative to minimums and maximums stated. Oceanview determines, at its discretion, the rates, renewal caps and, declared interest rates above the contractual minimums that are guaranteed.
Amounts allocated to an index are not directly invested in the stock market or any index and do not include dividends. Index performance does not reflect actual investment results.