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Log in to AXA

For Customers, Financial Professionals and Employees

New to AXA? Need to register?

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
- View demo

EQUI-PATH 403(b) Mutual Fund

Video

Are you retirement ready?


Why save for retirement - NOW

Hypothetical Case Study

The importance of saving early


Who saved more for retirement
-- and how?

Gloria vs Brian, a hypothetical case study

The cost of waiting to contribute toward your retirement can be significant. Just take a look at Gloria’s experience versus Brian’s.

  • Gloria - age 22

    Middle school math teacher
  • Motivated

    Starts saving at 22; saves for 15 years
  • Saves $4,000/year

  • Contributions

    $60,000

  • Account balance at 62

    $423,565*

  • Brian - age 37

    High school social studies teacher
  • Procrastinator

    Waits until age 37; saves for 25 years
  • Saves $4,000/year

  • Contributions

    $100,000

  • Account balance at 62

    $223,625*

Why does Gloria have more money? Because she had time on her side!

While Brian contributed $40,000 more to his employer’s retirement savings plan, Gloria’s projected account balance at age 62 is almost twice Brian’s. That’s because Gloria’s account will have more time to potentially grow by the time she retires — with each year's gains reinvested to potentially generate their own gains.

So, the sooner you start saving for your retirement, the more time your money will have to potentially benefit from tax-deferred growth. Of course, regardless of when you begin, it is never too late to start.

 

* Assumes a hypothetical 6% annual potential rate of return. The 6% hypothetical rate of return is not based on the performance of actual investments or products. Actual rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk. Actual results will vary. The amounts used in this hypothetical example do not take taxes or product-related charges into account.

Infographic

A sense of
accomplishment


How do our clients achieve it?
See the study results

Saving for retirement can be empowering

equivestImageB

 

91% of K-12 teachers surveyed report a "sense of accomplishment" in an AXA EQUI-VEST 403(b) plan

In an internally conducted Market Research study comparing K-12 teachers, most with pension plans and union membership, we found that more participants in EQUI-VEST feel a sense of accomplishment from plan participation.

Calculator

How much should you save?


Calculate a retirement
savings estimate now

How much should you save?

Estimate your retirement needs

Whether you are just starting out, mid-career, or nearing retirement, just answer four simple questions to produce:

  • An estimate of retirement savings and
  • The annual retirement income it may generate

Try changing some of your assumptions to find additional ways to become "retirement ready".

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Products and services


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Learn how we help people in these industries


K-12, colleges, universities, and hospitals

State, county, and local governments

501(c)(3) non-profit organizations

Businessess with 25-500 employees

Why AXA


AXA is about you. We've been helping people make their financial goals a reality since 1859.

Video

Are you doing enough?


See how you might
accelerate your savings

Infographic

Retirement worries


See who has the
highest rate of concern

More Americans are worried about not having enough money for retirement

retirementImageA
retirementImageB
retirementImageC

Hypothetical Case Study

The $1 million dollar goal


3 people,
3 retirement strategies,
3 results

The $1 million dollar goal, a hypothetical case study

How Laura, Kim, and Alan ended up with $1 million at age 65.


  • Laura - age 25

    Starts right away
  • $538.46/month

    Contribution to employer’s
    retirement savings plan*
  • $1 million

    Total retirement savings**
  • $258,462

    Total contributions***
  • Kim - age 35

    Waits 10 years
  • $1054.08/month

    Contribution to employer’s
    retirement savings plan*
  • $1 million

    Total retirement savings**
  • $379,467

    Total contributions***
  • Alan - age 45

    Waits 20 years
  • $2265.38/month

    Contribution to employer’s
    retirement savings plan*
  • $1 million

    Total retirement savings**
  • $543,691

    Total contributions***

If you start early a $1 million goal is not unreasonable

While retirement income needs vary depending on your individual circumstances, if you’re early or mid-career, a $1 million goal is not unreasonable. The sooner you start, the less it may cost you.

 

* Until retirement age of 65.

** Total rounded down to the nearest million. All total savings for these hypothetical examples are within $35,000 above the $1 million dollar goal. Assumes a hypothetical 6% annual potential rate of return. The 6% hypothetical rate of return is not based on the performance of actual investments or products. Actual rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk. Actual results will vary. The amounts used in this hypothetical example do not take taxes or product-related charges into account.

*** Cumulative until retirement age of 65.

Variable annuities are long-term financial products designed for retirement purposes. There are contract restrictions, limitations, fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges and administrative fees. A financial professional can provide cost information and complete details. Withdrawals are subject to ordinary income tax treatment and may be subject to an additional 10% federal income tax penalty. Contact a financial professional for costs and complete details. Withdrawals may also be subject to a contractual withdrawal charge of 5% in the first five prior contract years for the EQUI-VEST series 201 contract. Variable annuities are subject to market risk including loss of principal.

An annuity contract that is purchased to fund an employer-sponsored retirement savings plan should be done so 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 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.

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" is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY), AXA Advisors, LLC, and AXA Distributors, LLC. AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC. The obligations of AXA Equitable Life Insurance Company are backed solely by their claims-paying ability.

AXA Equitable Life Insurance Company (New York, NY). Distributors: AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC).

AXA Equitable, AXA Advisors, and AXA Distributors are affiliated companies and do not provide tax or legal advice. Consult with your attorney and/or tax advisors regarding your individual circumstances.

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