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Investor: Diane
Age: 45
Concerns: Grow my assets before I retire
“I understand that my investment needs may change over time ”

A multi stage variable annuity built to adapt to my changing needs

Meet Diane, age 45. Diane is still relatively far from retirement, and is looking for growth before she starts thinking about retirement income. She is a savvy investor who understands the importance of diversification, and is familiar with well-known manager names.

Retirement Cornerstone® allows her the ability to invest aggressively in the early years while she is less risk-averse – and seamlessly shift gears down the road when she is ready for guaranteed income. By allocating her money into the Investment Account first, providing access to 120+ investment options, she can build her own diverse portfolio in a tax-deferred product.

As she nears retirement, Diane begins to sweep some of her money into Retirement Cornerstone®’s Protected Benefit Account, which funds her guaranteed income for life for an additional fee. Within the Protected Benefit Account, she has access to eleven asset allocation portfolios (with both conservative and aggressive options) from names like Legg Mason, Goldman Sachs, Invesco, and Alliance Bernstein. Therefore, some money can still remain invested for growth in the Investment Account, while the rest can protect her retirement income in the Protected Benefit Account.

Click here for more complete information about Retirement Cornerstone®, including rates and limitations.