Retirement Plan - AXA Equitable |
Make the most of your retirement plan with AXA Equitable
As more Americans come to terms with the fact that Social Security benefits will probably represent only a small portion of their retirement income, the need for a solid retirement plan has become much clearer.
A solid retirement plan takes advantage of tax-favored savings tools to build assets that will ultimately help fund your retirement. Whether you’re funding your plan through an employee-sponsored 401(k) plan or investing in your plan on your own, you’ll need to select a variety of investments to help you accumulate and grow your retirement savings.
When it comes to choosing a vehicle that will help meet your retirement plan needs, you should consider the innovative products offered by AXA Equitable.
AXA Equitable offers a wide variety of possibilities for your retirement plan.
As one of America’s leading financial protection companies and premier providers of life insurance and annuity products that can be used in retirement plans, AXA Equitable Life Insurance Company (formerly the Equitable Life Assurance Society of the United States) has been helping families plan for retirement and for the future since 1859. AXA Equitable can provide a selection of products to fund your retirement plan that include:
- Annuities. Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contracts you make with a life insurance company like AXA Equitable, 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. Annuities may be fixed (where the rate of growth and return is predetermined) or variable (involving the potential for greater growth while carrying more risk).
- Retirement StrategiesSM. A group variable annuity that provides employees with a viable way to plan for retirement, while providing plan sponsors with a cost-effective and convenient way to establish and maintain a retirement plan. Retirement StrategiesSM supports: 401(k), Profit-Sharing, Money Purchase, Safe Harbor, and Age-Weighted/New Comparability Plans. Retirement StrategiesSM offers plan sponsors access to more than 100 investment options from some of the most respected names in the money management industry, representing major investment categories to choose from for inclusion in their plans. For complete product information, please click here.
Additional products to help you plan for retirement.
AXA Equitable offers two new products to help you plan for retirement during turbulent economic times:
- AXA Equitable Retirement Cornerstone®. An innovative variable annuity that comprises two separate accounts – one devoted to long-term accumulation potential and the second to guaranteed income through an optional benefit available for an additional cost (subject to income restrictions and age limitations). Guarantees are based on the claims-paying ability of the issuing insurance company. Retirement Cornerstone enables you to have an opportunity to both take advantage of the assets-building power of the markets and to protect your retirement plan against inflation and financial downturns. For complete product information, please click here.
- Structured Capital Strategies™. A variable annuity product that provides you with the opportunity to invest for growth while helping to protect against down market rates. This product enables you to participate in the upside performance potential up to a specified cap of indices that track certain domestic, global and commodities markets, with AXA Equitable absorbing the first 10, 20 or 30 percent of your losses (depending on your chosen option) to help alleviate some of your down market fears while capturing some of your potential gains. The cap may limit your potential in up markets. 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. Investment options with greater protection tend to have lower performance cap rates than other investment options that use the same index and duration but provide less protection. For complete product information, please click here.
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.
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.
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.
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.
Retirement StrategiesSM is a service mark of AXA Equitable Life Insurance Company. Contract form #2005GAC-QP
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 StrategiesSM 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.
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.
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 61881 (6/11)
