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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
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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.”

EQUI-VEST® 403(b) for Non-Profits is rated 4.7 out of 5 by 69.
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EQUI-VEST® simplifies offering a 403(b) plan

Use the EQUI-VEST variable annuity to help bring a valuable benefit — a 403(b) plan — to your employees. An annuity product designed specifically for nonprofit employers, EQUI-VEST is packed with features and services that may make sponsoring a 403(b) plan easier than you may think.

Tell me more about EQUI-VEST

 

Find the right solution

Consider a 403(b) plan

Your employees benefit — and so do you

A 403(b) plan can enhance your value as an employer. It’s a high-visibility benefit that can help employees save for their retirement. The EQUI-VEST® variable annuity for 403(b) plans comes with features, services, and support designed to both minimize the time a plan sponsor spends administering a 403(b) plan, and address employees’ retirement concerns.

Comprehensive plan sponsor services

Plan design and ongoing administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provide you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

EQUI-VEST OFFERS
Plan design
Record keeping
Compliance services

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, which are designed to suit everyone, from the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against some market losses. Another feature provides a guaranteed withdrawal benefit for life as an optional feature available for an additional fee.

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, 24/7 online education and enrollment tools1; financial professionals who work with your employees one-on-one; and Customer Service Representatives who are available during normal business hours.

EMPLOYEE RESOURCES
Online education
Enrollment tools
In-person support

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” benefit that provides guaranteed withdrawal payments for life.* Ongoing payments that may go up, but never go down.** That’s what the Personal Income BenefitSM - an optional benefit available for an additional fee - can do for you.

    Learn more here

    * This feature is not appropriate if you do not intend 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. 

 

EQUI-VEST® brings value to 403(b) plans

The EQUI-VEST variable annuity is packed with features and services designed specifically for nonprofit employers. Whether you want to expand your plan’s investment lineup or streamline its administrative functions, EQUI-VEST may make it easier for you to maintain your 403(b) plan.

Tell me more about EQUI-VEST

 

Find the right solution

Add EQUI-VEST® to your plan

Your employees benefit — and so do you

The EQUI-VEST variable annuity can help you enhance the value of your 403(b) plan by expanding the range of available investment options and offering features that address your employees’ retirement concerns.

Investment options for employees across the risk spectrum

Employees benefit from EQUI-VEST’s wide variety of investment options, including a Guaranteed Interest Option, which are designed to suit everyone from the beginner to the sophisticated investor. The lineup includes various options that offer the potential for market gains up to a specified limit, along with some protection against market losses. Another feature provides a guaranteed withdrawal benefit for life in an optional rider, available for an additional fee.

Comprehensive plan sponsor services

Plan administration, recordkeeping, and compliance services are all part of the EQUI-VEST package. We also leverage technology through our plan sponsor website to reduce paperwork and provides you with 24/7 access to plan information. In addition, a financial professional is always available to assist you on plan-related issues.

EQUI-VEST OFFERS
Competitive fees
Compliance services
Record keeping

Employee education and communication

EQUI-VEST focuses on improving employees’ retirement readiness with a multi-channel approach: on-demand, online education and enrollment tools;1 financial professionals who work with your employees one-on-one; and Customer Service Representatives who are available during normal business hours.

EMPLOYEE RESOURCES
Enrollment tools
In-person support
Online education

 

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” benefit that provides guaranteed withdrawal payments for life.* Ongoing payments that may go up, but never go down.** That’s what the Personal Income BenefitSM - an optional benefit available for an additional fee - can do for you.

    Learn more here

    * This feature is not appropriate if you do not intend 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. 

An EQUI-VEST® refresher

The EQUI-VEST variable annuity 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 EQUI-VEST.

Tell me more about EQUI-VEST

 

Find the right solution

Explore all that EQUI-VEST® offers

Are you taking full advantage of EQUI-VEST?

We continually look at how we can enhance the EQUI-VEST 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 EQUI-VEST.

Investment options for employees across the risk spectrum

EQUI-VEST’s extensive investment option lineup, including a Guaranteed Interest Option, is designed to suit everyone from the beginner to the sophisticated investor. The lineup also includes a Structured Investment Option, which offers your employees the potential for market gains up to a specified limit, along with some protection against market losses.2

We also offer the Personal Income BenefitSM, a “pension-like” benefit that provides guaranteed withdrawal payments for life and may help employees address inflation, longevity, and market volatility concerns.3


EQUI-VEST OFFERS

Structured Investment Option 
Personal Income BenefitSM
 
 

Employee education and communication

We offer your employees several ways to access their accounts. We want to help ensure that all of your employees—no matter how they like to communicate—find an easy way to take advantage of this important opportunity. That’s why we supplement our employee tools and resources with an online education and enrollment tool1 that gives your employees a convenient, 24/7 way to learn about and enroll in your plan.

EMPLOYEE RESOURCES
In-person support
Enrollment tools
Online education
 

 

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” benefit that provides guaranteed withdrawal payments for life.* Ongoing payments that may go up, but never go down.** That’s what the Personal Income BenefitSM - an optional benefit available for an additional fee - can do for you.

    Learn more here

    * This feature is not appropriate if you do not intend 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. 

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Rated 5 out of 5 by from Outstanding service! Five stars! I usually get friendly and responsive service whenever I call. My most recent experience was exceptional because I not only received the service I expected but the rep actually waited on the line and walked me through the completion on my forms and made sure my fax was sent and then asked if she could help me with any other questions I had.
Date published: 2016-08-08
Rated 5 out of 5 by from Professional and very aware of our personal needs. AXA's advisor is very aware of our personal needs and he has worked with us for years to reach our retirement goals. He is always available for our questions and he goes up and beyond providing service.
Date published: 2016-06-21
Rated 4 out of 5 by from Log in Trouble When having difficulty logging in via the website, I called the number provided, asking for help with that. The person at the other end told me she could not help me, but asking for my number, she would have tech support call me within 48 hours. That call never came. Finally, 5 days later, I attempted to login again, and this time it worked. Although I was ultimately able to login to my account numerous days later, I never got the phone call from tech support that was promised.
Date published: 2016-11-04
Rated 5 out of 5 by from Helpful, knowledgable and not effort on my part. My financial planner/advisor has been EXTREMELY helpful through this process; handling issues and notices I received in a timely fashion and getting results in establishing the transfer of funds from one provider to another. He's initiated calls with previous provider to find end results for me; walking me through but addressing the issue as an expert.
Date published: 2016-11-08
Rated 5 out of 5 by from Efficient Service I had to call AXA Customer Service three times in one week for assistance logging into my account, a transaction that I made, and questions about the type of account that I currently have. Each person was friendly, kind, warm, and gave me accurate and useful information.
Date published: 2016-09-29
Rated 3 out of 5 by from Good website, but could be better overall 3.5 star Used the service online. It was easy to use once i figured it out. You can't just change your current info, you have to re-do the whole thing. the survey ask if it "cares for my needs" - very unusual to ask if a computer program cares for my needs...uh...no!
Date published: 2016-11-11
Rated 5 out of 5 by from Always friendly, Clear and Paitent If ever I call to speak to someone (1-800 #) my questions are repeated back to me for clarification and if the question cannot be answered over the phone, I always receive a call back with the answer. My rep and his office staff are fantastic.
Date published: 2016-07-01
Rated 4 out of 5 by from Very helpful. Very attentive to my account. The financial professional reviews my account every quarter. Recommendations are made and I get to decide any changes based on my financial comfort level. Always ready to answer questions and help on any financial issues
Date published: 2016-08-15
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All ratings and reviews are voluntarily submitted by existing customers and are pre-screened for acceptance or rejection prior to publication in accordance with established Moderation Guidelines, which consider applicable regulatory parameters for retail communications (i.e., advertising and sales literature) and company standards for appropriate content. Customers’ ratings and reviews reflect individual opinions and are not intended as indications of suitability or as predictions of any product/investment performance, may not represent the experience of any other customer, and should not be relied upon as bases for any purchase decision. AXA Equitable Life Insurance Company (AXA Equitable) and its affiliates do not guarantee the accuracy or applicability of the information included in any customer review. Ratings and Reviews are powered by Bazaarvoice, a 3rd party vendor not affiliated with AXA Equitable or its affiliates. For questions or concerns about the ratings and reviews presented here, please call 800-628-6673. GE-116658 (07/2016)

1 Online enrollment may not be available in all states. Speak with a financial professional for more information

2 There is risk of substantial loss of principal because you would agree to absorb all losses to the extent they exceed the protection provided by the Structured Investment Option at maturity.

3 This feature is not appropriate if you do not intend to take withdrawals before annuitization.

The features and contracts described in this content may not be available in all jurisdictions or in all 403(b) plans.

EQUI-VEST is a long-term financial product 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 EQUI-VEST cost information and complete details. Withdrawals from annuities are subject to ordinary income tax treatment and if taken prior to age 59½ may be subject to an additional 10% federal income tax penalty.  Withdrawals may also be subject to a contractual withdrawal charge of 5% in the first five prior contract years for the Series 201 contract.  Variable annuities are subject to market risk including loss of principal.

An annuity contract that is purchased to fund a 403(b) 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 prospectus containing this and other information, please contact a financial professional.  Re it carefully before you invest or send money

GE-97257 (09/2014)