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EQUI-PATH 403(b) Mutual Fund

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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

Founded in 1859, AXA Equitable is one of the nation’s leading providers of retirement savings products and services. We create retirement plan strategies and solutions specifically for you to help your employees become “retirement ready.”

Retirement Gateway® simplifies offering a 401(k) plan

Use the Retirement Gateway® variable annuity as a funding vehicle for 401(k) plans, and help bring a valuable benefit to your employees. An annuity designed specifically for small businesses, Retirement Gateway is packed with features and services that can make sponsoring a 401(k) plan easier than you may think.

Tell me more about Retirement Gateway

 

Find the right solution

Consider a 401(k) plan

Your employees benefit — and so do you

A 401(k) plan is a high-visibility benefit that can help employees save for their retirement and enhance your value as an employer. The Retirement Gateway variable annuity comes with features, services, and support designed to both minimize the time a plan sponsor spends administering a 401(k) plan, and address employees’ retirement concerns.

SERVICES
Plan administration
Record keeping
Compliance services

Investment selection and monitoring guidance

Retirement Gateway has an extensive offering of investment options, including a Guaranteed Interest Option, and features well-known, distinguished investment managers. Fiduciary services can help you select and monitor investment choices for your plan. It then rounds out these services with an optional self-directed brokerage account for employees who want to evaluate and manage their own investment strategies.1

Comprehensive plan sponsor services

Plan design and ongoing administration, recordkeeping, and compliance services are all available with Retirement Gateway. These services are provided by a highly skilled staff of professionals who work with you. In addition, we leverage technology through our plan sponsor website to reduce paperwork and provide you with 24/7 access to plan information. You can also automatically enroll eligible employees in your plan with Save 1‑2‑3SM. 1,2

Employee education and communication

Retirement Gateway focuses on improving employees’ retirement readiness with a multi-channel approach: NowPlanSM provides on-demand, 24/7 online education and enrollment tools; financial professionals are available to work with your employees on site; and our Customer Service Representatives are available during normal business hours at (888) 292-4636.

EMPLOYEE RESOURCES
NowPlanSM
In-person support
Customer service
Spotlight
  • Personal Income BenefitSM

    A “pension-like” Retirement Gateway feature, the Personal Income BenefitSM provides guaranteed withdrawal payments for life*—and while these payments may go up, they’ll never go down.** It’s a way to help address employees’ concerns about inflation, market fluctuation, and outliving their savings.

    Learn more here

    * This feature is not appropriate if employees do not plan to take withdrawals before annuitization.

    ** Early withdrawals from the Personal Income Benefit account value or withdrawals from the Personal Income Benefit account value that exceed the Guaranteed Annual Withdrawal Amount may significantly reduce or eliminate the value of the Personal Income Benefit.

 

Retirement Gateway® brings value to 401(k) plans

The Retirement Gateway® variable annuity is a 401(k) funding vehicle that is packed with features and services designed specifically to support small businesses. Whether you want to expand your plan’s investment option lineup or streamline its administrative functions, Retirement Gateway may make it easier for you to maintain your 401(k) plan.

Tell me more about Retirement Gateway

 

Find the right solution

Consider Retirement Gateway 

Your employees benefit — and so do you

The Retirement Gateway variable annuity can help you enhance the value of your 401(k) plan by expanding the range of available investment options, providing fiduciary support services, and offering features that address your employees’ retirement concerns.

RETIREMENT GATEWAY OFFERS
Competitive fees
Fiduciary services
Ongoing support

Investment selection and monitoring guidance

Retirement Gateway has an extensive offering of investment options, including a Guaranteed Interest Option, and features well-known, distinguished investment managers.  Fiduciary services to help you select and monitor investment choices for your plan. It then rounds out these services with an optional self-directed brokerage account for employees who want to evaluate and manage their own investment strategies.1

Comprehensive plan sponsor services

Plan design and ongoing administration, recordkeeping, and compliance services are all available with Retirement Gateway. These services are provided by a highly skilled staff of professionals who work with you. In addition, we leverage technology through our plan sponsor website to reduce paperwork and provide you with 24/7 access to plan information. You can also automatically enroll eligible employees in your plan with Save 1‑2‑3SM.1,2

Employee education and communication

Retirement Gateway focuses on improving employees’ retirement readiness with a multi-channel approach: NowPlanSM provides on-demand, 24/7 online education and enrollment tools; financial professionals are available to work with your employees on site; and our Customer Service Representatives are available during normal business hours at (888) 292-4636.

EMPLOYEE RESOURCES
NowPlanSM
In-person support
Customer service

 

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” Retirement Gateway feature, the Personal Income BenefitSM provides guaranteed withdrawal payments for life*—and while these payments may go up, they’ll never go down.** It’s a way to help address employees’ concerns about inflation, market fluctuation, and outliving their savings.

    Learn more here

    * This feature is not appropriate if employees do not plan to take withdrawals before annuitization.

    ** Early withdrawals from the Personal Income Benefit account value or withdrawals from the Personal Income Benefit account value that exceed the Guaranteed Annual Withdrawal Amount may significantly reduce or eliminate the value of the Personal Income Benefit.

A Retirement Gateway® refresher

The Retirement Gateway variable annuity serves as a 401(k) plan funding vehicle and keeps pace with you and your employees’ changing needs. Enhanced online capabilities, an expanded investment option lineup, and features that can help address the impact of inflation and longevity on retirement income — it’s all available with Retirement Gateway.

Tell me more about Retirement Gateway

 

Find the right solution

Explore all that Retirement Gateway® offers

Are you taking full advantage of Retirement Gateway? 

We continually look at how we can enhance the Retirement Gateway variable annuity to keep it relevant and valuable to you and your employees. This review process has led to our adding several features and capabilities to Retirement Gateway.

Timely, innovative features

Retirement Gateway offers Save 1‑2‑3SM1,2 an optional feature available at no additional charge, that you can use to automatically enroll eligible employees in your plan.


RETIREMENT GATEWAY OFFERS

Save 1‑2‑3SM
Plan sponsor website
Personal Income BenefitSM
 

Our enhanced plan sponsor website has a new look, feel, and expanded functionality. It’s now easier than ever to access plan information, upload payroll data, and create reports. You can even view account information from a participant’s viewpoint. We have also updated our participant website to make it easier for participants to monitor their accounts and adjust their retirement strategy.

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” Retirement Gateway feature, the Personal Income BenefitSM provides guaranteed withdrawal payments for life*—and while these payments may go up, they’ll never go down.** It’s a way to help address employees’ concerns about inflation, market fluctuation, and outliving their savings.

    Learn more here

    * This feature is not appropriate if employees do not plan to take withdrawals before annuitization.

    ** Early withdrawals from the Personal Income Benefit account value or withdrawals from the Personal Income Benefit account value that exceed the Guaranteed Annual Withdrawal Amount may significantly reduce or eliminate the value of the Personal Income Benefit.

Have a financial professional contact you


* Required

1 May not be available for all plans. Speak with a financial professional for more information.

2 The Save 1-2-3SM feature, available at no additional charge to qualifying plans, provides auto-enrollment and automatic deferral features in seeking to raise participation rates.

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.  Retirement Gateway® contains a contingent withdrawal charge that when applicable, will not exceed a maximum of 6% of the amount withdrawn nor be applied for longer than five years from the Contract Date.  Variable annuities are subject to market risk including loss of principal.

An annuity contract that is purchased to fund a 401(k) 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 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.

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

GE-97258 (09/2014)