• 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)

401(k) Plans Are A Cornerstone Of Retirement Planning

For individuals planning for retirement, an employer-sponsored 401(k) plan may offer significant benefits to help meet investment and retirement planning goals. A 401(k) plan enables individuals to contribute a certain portion of their salary each year to an account established by their employer. In a traditional 401(k), taxes on contributions and growth are deferred until withdrawal, while in a Roth 401(k) plan contributions are made in after-tax dollars, but balances grow tax free so individuals pay no taxes on qualified withdrawals.

No matter which type of 401(k) your employer offers, retirement contributions will likely be invested in a mix of stocks, bonds and mutual funds, or the plan may be funded by a group variable annuity. For individuals seeking information about 401(k) plans and employers considering which retirement investments to offer in their plans, AXA Equitable offers educational resources and a selection of innovative funding choices.

Learn more about individual 401(k) plans and AXA Equitable.

Employees: AXA Equitable Offers Helpful Online Resources To Better Understand Your 401(k).

Since its beginnings in 1859, AXA Equitable has become a leading financial protection company , and a premier provider of life insurance and annuity products.  A variety of investment products and services are also available through our affiliate, AXA Advisors, LLC.

If you’re considering whether to invest in your employer’s 401(k) plan, AXA Equitable provides a number of tools and articles to help you better understand your options and plan for the future.

Articles

AXA Equitable articles on 401(k) plans can help you better understand how to use a 401(k) to prepare for retirement. Articles include:

• Make the Most of Your 401(k) 
• Borrowing or withdrawing money from your 401(k) plan
• What to do after you've been automatically enrolled in your company's retirement plan
• Taking Advantage of Employer Sponsored Retirement Plans
• How can I plan for retirement if my employer doesn't offer retirement benefits?
• Should I accept my employer's early retirement offer?

Calculators. AXA Equitable has a variety of calculators to help with your financial planning efforts, including:

• A Retirement Income Calculator to help you determine how much monthly income your retirement savings may provide you in your retirement.
• A Retirement Shortfall Calculator to help you understand the projected shortfall or surplus of money you may have at retirement.
• A Net Worth Calculator to help you determine your net worth and how it may grow or shrink over the next 10 years.

Employers: AXA Equitable products for your 401(k) plans.

As a provider of products for your company-sponsored 401(k) plan, AXA Equitable offers the following:

• Group Variable Annuities to fund retirement plans 
• Owners 401(k) – designed for closely held businesses that only employ the owner and his or her family members – an alternative to Simplified Employee Pension (SEP) plans, profit-sharing plans, Keoghs and other defined contribution plans.

Learn more now about AXA Equitable products for your 401(k). 

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.

401(k) funding products may fluctuate with changes in market conditions.

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 presented in this document 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 taxpayer. 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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