• Annuities
  • Annuity Glossary
• Variable Annuities
  • Retirement Cornerstone®
  • Structured Capital Strategies^SM
  • The Accumulator^® Series
  • The EQUI-VEST® Series
• Fixed Annuities
  • Guaranteed Growth Annuity
• Immediate Annuities
• Individual Retirement Accounts

Building Your Nest Egg With Retirement Investing Products From AXA Equitable

If you’re worried about outliving your retirement income, having a well-thought-out retirement investing strategy can help calm your concerns. As part of your retirement investing strategy, you can take advantage of both tax-deferred investments, like annuities and qualified retirement plans, and taxable investment accounts, to help build assets and provide income for your later years.

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.  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.

By providing future income in return for contributions you make now, annuities can provide guaranteed income to help manage the risk of outliving your retirement nest egg. An annuity that offers defined growth of principal and interest is called a fixed annuity, while a product that provides the opportunity for market appreciation through a variety of investment options and also carries more risk is called a variable annuity. Guarantees are based on the claims-paying ability of the issuing insurance company. When you’re looking for innovative annuities for retirement investing, consider annuity products from AXA Equitable.

Learn more about retirement investing with AXA Equitable

Find More Retirement Investing Resources And Products

AXA Equitable, one of the nation’s leading providers of life insurance and annuity products, offers two new variable annuity products that may change the way you approach retirement investing:

• AXA Equitable’s Retirement Cornerstone^® is a new variable annuity offering two accounts within a tax-deferred single platform. The  Investment Performance Account focuses on investment choices through a broad range of investment options, while the Protection with Investment Performance Account focuses on opportunity to provide future retirement income. The Protection with Investment Performance account is part of a variable annuity and includes an optional feature which is available at an additional cost and is subject to income restrictions and age limitations. For more complete product information, please click here.
• AXA Equitable’s Structured Capital Strategies^SM is a variable annuity that provides the opportunity for investing for growth while also providing some protection against the risks of a down market. Structured Capital Strategies^SM allows you to participate in the upside market potential of index- linked investments that track global, domestic and commodities markets up to a cap, while a Segment Buffer means AXA Equitable will protect you against the first -10, -20 or -30 percent of your losses, depending on your chosen investment option. Segment types with greater protection tend to have lower performance cap rates than other segment types that use the same index and duration but provide less protection. While you are protected from some downside risk, if the negative return is in excess of the protection offered by this product, there is a risk of a substantial loss of your principal. The cap may limit your potential in up markets. For more complete product information, click here.

AXA Equitable: Your Source For Retirement Annuity Products, And Other Financial Products.

For additional investing choices, AXA Equitable also offers a variety of fixed and variable annuities that include:

• The EQUI-VEST^® Series, a line of cost-effective variable annuities for individuals and employer-sponsored plans.
• The Accumulator^® Series, a suite of variable annuities that can provide you guaranteed income for life. For more complete product information, click here.
• Fixed annuity products that offer a defined growth rate, where your principal and interest grow on a tax-deferred basis and you pay taxes only on qualified withdrawals
• Immediate annuities that enable you to convert assets into regular income, with payments that may start now and last for the rest of your life or for a specific period of time

AXA Equitable also provides financial products for a 401(k), 403(b) or 457 plan. And at AXA-equitable.com you’ll find a wealth of resources on retirement investing, including articles, retirement calculator tools, answers to common investing questions and more.

AXA Equitable is also a leading provider of life insurance products, including whole, variable, term and universal life insurance, which can be an important part of planning for retirement.

Learn more about retirement investing with AXA Equitable

This article highlights only some of the features and benefits of some of AXA Equitable products. For cost and complete details, please contact your financial professional. 

Withdrawals from 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 may also be subject to a contractual withdrawal charge.

Variable annuity subaccounts fluctuate with changes in market conditions. When surrendered, the principal may be worth more or less than the original amount invested. The guarantees available with variable annuities do not apply to the investment portfolios.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity.  For a prospectus containing this and other information, please contact a financial professional.  Read it carefully before you invest or send money.

AXA Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations.

Please be advised that this document is not intended as legal or tax advice.  Accordingly, any tax information provided 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.

Life insurance and annuity products are issued by AXA Equitable Life Insurance Company (NY, NY) (AXA Equitable). Variable annuity products are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, New York, NY 10104, members FINRA, SIPC.  AXA Equitable, AXA Distributors and AXA Advisors are affiliated companies and do not provide tax or legal advice. 

Retirement Cornerstone^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010BASE-A/B, 2010BASE-I-A/B, 2010BASE-I-A(WA) and any state variations.

Structured Capital Strategies^SM is a service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010PCSBASE-I-A/B and 2010PCSBASE-A/B and any state variations.

Accumulator^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form numbers: 2006BASE-A/B, 2006BASE-I-A/Bm 2007BASE-I-A(OR)(rev 2/09) and any state variations

EQUI-VEST^® is a registered service mark of AXA Equitable Life Insurance Company. EQUI-VEST Contract form #s: 2006BASE-I-A/B, 2006BASE-A/B, 2008EQV201, 2008EQVBASE201-A, and any state variations.

Variable Annuity: · Is Not a Deposit of Any Bank · Is Not FDIC Insured · Is Not Insured by Any Federal Government Agency · Is Not Guaranteed by Any Bank of Savings Association · May Go Down in Value.

 

GE 60489 (6/11)