• Overview
• Group Annuity
  Retirement Plans
  • EQUI-VEST 403(b) TSA
  • EQUI-VEST 457(b) EDC
  • EQUI-VEST SEP
  • EQUI-VEST SIMPLE IRA
  • Retirement Gateway^®
• Life Insurance
  • Corporate Owned Incentive Life
  • Athena Univeral Life -
    Employer-Sponsored
    Life Insurance
• Individual 401(k)
  • Owners 401(k)

Planning For Retirement With 401(k) Plans

Employer-sponsored 401(k) plans are a significant vehicle used by many individuals when planning for retirement. 401(k) plans allow employees to put away a portion of their annual income into investment accounts specifically for retirement. The power of 401(k) plans is in the potential for those retirement investments to grow tax-free, with taxes deferred until withdrawal. Combined with taxable investment accounts and other investment products, a 401(k) plan can be an important part of your overall retirement plan.

Whether you are an employer considering retirement plans or investment choices for your employees, or an employee seeking more information about how 401(k) plans work, you’ll find a wealth of resources and investment products in the retirement section of axa-equitable.com.

Employees: Get Answers To Questions About 401(k) Plans At AXA Equitable.

AXA Equitable – one of the nation’s premier providers of life insurance policies and annuity products – offers a great deal of information about 401(k) plans for employees. With a variety of articles and retirement calculator tools, you can get answers to many questions you may have about your 401(k) options, including:

• How much money do I need to retire?
• How do I make the most of my 401(k) at work?
• How do I decide which investments to choose?
• Can I roll a retirement plan distribution into an IRA?
• Should I consider a Roth IRA?
• Is it a good idea to borrow against my 401(k) plan?

Use AXA Equitable’s retirement calculators to plan for retirement with information about:

• How much monthly income you’ll need during retirement, and how much income your retirement savings may provide.
• What your current net worth is.
• What your life expectancy is.
• How to stay on track with your savings goals.

Employers: AXA Equitable Offers Online Resources And Innovative Products For 401(k) Plans

AXA Equitable also offers helpful articles for employers considering a 401(k) plan for their employees. In the retirement section of our Learning tab, you’ll find a basic guide to employer-sponsored retirement plans, as well as information about retirement plans for small businesses, and more.

AXA Equitable offers innovative retirement products including Group Variable Annuities to fund small- to mid-sized 401(k) plans, SEP and SIMPLE plans, plans for nonprofit organizations, state and local governments, and public schools, colleges and universities.  AXA Equitable also offers Owners 401(k) plans, designed for closely held businesses that only employ the owner and his or her family members.

Learn more now about individual 401(k) plans.

An annuity contract, when purchased to fund a qualified retirement plan should be considered for the annuity’s features and benefits other than tax deferral.  For such cases, tax deferral is not an additional benefit for the annuity.  You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

Withdrawals from retirement products are subject to normal income tax treatment and if taken prior to age 59 ½  may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Please be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this doment is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpaper. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

AXA Equitable and its affiliates do not offer tax or legal advice.

Annuities are issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.

Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. 

 

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