For Employers Products and Services |
Retirement Strategies
Cost-Effective and Convenient Retirement Planning
Diversified Selection of Investment Options to Meet ERISA 404(c) Requirements
Fiduciary Guidance and Support Tools
Sophisticated Plan Sponsor Recordkeeping Web Site
This page highlights some of the features and benefits of this product. For more complete details, please download the full prospectus or product fact card, above.
- Key Features
- Investment Options
- Next Steps
Cost-Effective and Convenient Retirement Planning |
Retirement StrategiesSM, a group variable deferred annuity, is a flexible, competitively priced product for a retirement plan that provides your employees with a convenient way to contribute and invest for retirement. Retirement StrategiesSM supports:
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Growth Potential: Variable Investment Options |
Retirement StrategiesSM offers your plan a broad selection of variable investment options across different asset classes so your plan can meet ERISA 404(c) requirements. In addition, your plan can offer:
Amounts in a variable annuity’s investment portfolio are subject to fluctuation in value and market risk, including loss of principal. You will incur higher costs with the asset allocation and target date allocation portfolios than if you were to invest directly in the underlying portfolios. |
Stringent Due Diligence Process for Investment Option Selection |
AXA Funds Management Group (FMG), with an in-house staff of experienced professionals, continuously “manages the managers” once an investment option is added to the Retirement StrategiesSM investment option lineup. Though you still have a fiduciary responsibility to your employees when selecting your plan’s investment options, you may feel comfortable in knowing that our investment professionals are keeping a close watch on your investment options performance. |
In-Depth Fiduciary Support |
AXA Equitable will work closely with you in satisfying some of your requirements as a fiduciary under ERISA and applicable regulations. When selecting Retirement StrategiesSM you will have access to a suite of fiduciary support tools, including:
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Two Service Types to Meet Your Needs |
Retirement Strategiessm offers two options for meeting your needs for mandatory plan tests and filings: Full-Service Recordkeeping Option – This option offers complete documentation and compliance services, including plan testing, signature-ready 5500 reports and plan updates. It also includes trustee services at no additional cost. Basic Service Recordkeeping Option – you choose your own third-party administrator (TPA), with whom we will work closely to ensure accurate transmission of information needed to prepare all plan documents, compliance forms, plan testing and reports. |
Innovative Web-Based Tools |
Regardless of the service option selected, you will have access to our innovative plan sponsor Web site. Through this site you will be able to upload employee and payroll information, create ad hoc reports, monitor investment options, and perform in-depth plan analysis. See the power for yourself! Try our plan sponsor Web site demo! |
Encourage Employee Participation |
AXA Equitable provides a comprehensive approach to encouraging employee participation by providing to your employees education about your plan and easy access to their personal accounts. With AXA Equitable, your employees get:
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The Retirement StrategiesSM contract may not be available in all states or jurisdictions.
Please be advised that this content is not intended as legal or tax advice. Accordingly, advice provided in this content 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.
If an annuity contract is used to fund a qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of the annuity. You may also want to consider the relative features, benefits and costs of this annuity with other investments that you may have in connection with your retirement plan.
Because you are purchasing an annuity contract to fund a qualified employer-sponsored retirement arrangement, you should be aware that such annuities do not provide additional tax deferral beyond that already provided by the Internal Revenue Code. Before contributing, you should consider whether the Momentum SolutionsSM group annuity features and benefits beyond tax deferral meet your needs and goals. 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.
Retirement StrategiesSM is a group deferred flexible premium combination fixed and variable annuity contract that is issued by AXA Equitable Life Insurance Company, New York, NY, 101014, and is distributed by AXA Advisors, LLC (member SIPC) New York, NY 10104, AXA Equitable and AXA Advisors are affiliated companies and do not provide legal or tax advice.
This material is not a complete description of all material provisions of the contract.
Subject to the terms of your Employer’s plan and the Code, in exchange for contributions made on your behalf to the contract, AXA Equitable will provide the annuity benefit options available under the contract including lump sum or partial withdrawals or a fixed or variable annuity distribution option.
Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company. Guarantees do not apply to variable investment options.
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Variable Investment Options
Growth Potential
Our variable investment options offer the opportunity to direct how your annuity contributions or life insurance premium payments are invested among a wide array of stock, bond, international and money market investment options.
This access provides an opportunity for growth of your account value. Please keep in mind that variable investment options are subject to fluctuations in value and market risk, including loss of principal.
Quality
Evaluating investment options has never been easy. And in today’s investment environment, where investors have literally thousands of choices. You need an objective and expert guide.
Through a multiple-step selection process, we systematically narrow the universe of money management firms to identify money managers that are best suited to meet specific investment goals.
Many of our money managers are household names you’re sure to recognize. Others are better known among large institutional investors.
Choice
Our variable investment option platform is designed to help meet the needs of a wide variety of investors, while being responsive to an ever-changing market environment. We offer a carefully selected menu of investment options that meets the needs of diversification-minded investors, while accommodating individual preferences and risk appetites.
Simplicity
For investors who want a simplified approach to building a diversified portfolio, a series of asset allocation portfolios are available. No matter which series you choose, each portfolio is constructed as a "fund-of-funds," diversified by AXA Equitable’s team of investment specialists. With one simple investment, you gain access to the combined performance of multiple portfolios, depending on the strategy chosen.
The Benefits of AXA Allocation Portfolios managed by AXA Equitable
- Tailored to Meet Your Goals — you can pursue your individual goals whether based on your personal risk tolerance or time horizon
- Convenient — you get a well-diversified investment program in a single portfolio, utilizing multiple money managers, asset classes and investment styles
- Professionally Managed — you can access well-established money managers, monitored continuously and replaced when necessary
- Automatic Rebalancing — portfolios are rebalanced regularly by trained professionals to keep your investment on track
Please note that AXA Allocation Portfolios entail fees and costs in addition to the fees and costs incurred in the Portfolios' underlying investment earnings.
Performance
As many investors have learned, a portfolio manager can suddenly leave a firm, or deviate from his or her investment style in pursuit of short-term returns. Many times these changes occur without the investors’ knowledge, which could alter the course of a disciplined investment strategy.
That’s why our seasoned team of investment professionals continuously “manages the managers” once they have been selected. This is a dynamic process that holds each money manager accountable and keeps them focused on delivering consistent, long-term results.
Learn More
To learn more about the individual investment options, such as investment strategy, Morningstar rating, top holdings and more, browse our Variable Investment Portfolio Fact Sheets.
You should consider the charges, risks, expenses, and investment objectives carefully before investing. Please click the link at the top of this page to download the product prospectus, which contains this and other information
Variable products are issued by AXA Equitable Life Insurance Company (NY, NY) and are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.
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Professional Guidance Counts
Your financial professional can be an invaluable in helping you:- Complete a financial needs analysis
- Evaluate the financial strategies available to you, and
- Select appropriate financial products designed to help you reach your goals
