Employee Retirement Plan - AXA Equitable |
Find Employee Retirement Plan Resources
An employee retirement plan is a powerful vehicle to help employees build savings for retirement and for employers to attract and retain quality employees. Among the common employee retirement plan options are a 401(k) for certain businesses, a 403(b) for educational institutions and certain non-profits, and a 457 plan for governmental and certain non-governmental organizations.
Contributions to an employee retirement plan are typically made in pre-tax dollars and are invested in a variety of investment products. Investment earnings are not taxed until the time of qualified withdrawals, allowing savings to potentially build more quickly.
Employees and employers alike frequently have many questions about an employee retirement plan, and AXA-Equitable.com offers a wealth of helpful information.
Learn more about resources for your employee retirement plan
For Employees: Articles And Calculators To Help Make The Most Of An Employee Retirement Plan
Whether your employer offers a 401(k) plan, 403(b) plan, a 457 plan or another kind of employee retirement plan, at AXA Equitable you’ll find lots of informational resources and retirement calculators that can help answer questions such as:
- How much money will I need for retirement?
- How much income will my current retirement savings provide?
- Can I borrow against my plan? Is it advisable?
- Should I accept my employer’s offer to retire early?
- How can I protect my 401(k) retirement assets from taxes?
- Should I be concerned about how inflation will affect my assets?
Get answers now to your retirement plan questions.
For Employers: Information On Plan Administration, Employee Communication And Retirement Investments
AXA Equitable offers employers a variety of resources for considering or managing an employee retirement plan, including:
- A basic guide to employer-sponsored retirement plans.
- Information about options available to small businesses.
- Cost-effective and convenient individual retirement planning through Retirement Cornerstone®, a variable annuity. Click here for more complete information on Retirement Cornerstone.
- A 403(b) information center with comprehensive information and tools for managing 403(b) plans.
- Information on AXA Equitable’s EQUI-VEST® 457(b) Employee Deferred Compensation (EDC) Plan – a cost-effective variable annuity contract for state, county and local government agencies and certain tax-exempt organizations. Click here for more information about EQUI-VEST 457(b) EDC plan.
- Information about annuities, mutual funds and other investment products offered through AXA Advisors, LLC that can be part of an employee retirement plan.
Learn more now about AXA Equitable’s employee retirement plan funding options
Variable deferred annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Its account values can be invested in a variety of investment options, including stock and bond investment options. The value of the annuity varies with the investment performance of the underlying investment portfolios. A variable annuity is not meant for short-term investment goals. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. A financial professional can provide cost information and complete details. Certain types of contracts, features and benefits may not be available in all jurisdictions.
Variable subaccounts within variable annuities fluctuate with changes in market conditions. When surrendered, the principal may be worth more or less than the original amount invested.
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 (e.g., 401(k)s, 403(b)s, 457 annuities) 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 from annuities may also be subject to a contractual withdrawal charge.
Guarantees are based on the claims-paying ability of the issuing insurance company.
Guarantees do not apply to performance of portfolios in the separate account.
Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information about the variable annuity, underlying investments and any applicable supplements, please contact a financial professional. Read the prospectus carefully before you invest or send money.
Retirement Cornerstone and EQUI-VEST are issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.
Retirement Cornerstone® is a service mark of AXA Equitable Life Insurance Company, New York, NY 10104.
Retirement Cornerstone Contract form #s: 2010BASE-A/B, 2010BASE-I-A/B, 2010BASE-I-A(WA) and any state variations
EQUI-VEST® is a registered service mark of AXA Equitable Life Insurance Company, New York, NY 10104.
EQUI-VEST Contract form #s: 2006BASE-I-A/B, 2006BASE-A/B, 2008EQVTSA201, 2008EQV201, 2008EQVBASE201-A, and any state variations
Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC.
GE-60388 (6/11)
