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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

Since 1859, AXA Equitable has been helping clients take small, manageable steps to build their financial futures. As the #1 provider of retirement plans for employees of K-12 schools;1 we serve more than 739,000 participants in over 17,000 retirement plans.2

Making retirement saving achievable

Let the EQUI-VEST® variable annuity help you start getting ready for retirement today. Start small and adjust your savings as your life changes — EQUI-VEST offers flexibility along with tax advantages that can help your savings potentially grow more quickly. And you’ll have the features, resources, and support to help make saving for retirement achievable.

Tell me more about EQUI-VEST

 

Calculate your goals

How much should you save?

Just answer four simple questions to estimate your total projected retirement savings and the annual retirement income they’ll generate. Try changing some of your assumptions to find the best way to become “retirement ready.”

Start now
 

Find the right solution

Save with a 403(b) plan funded with EQUI-VEST®

Start small; adjust as needed

A 403(b) plan can help you start getting “retirement ready” by combining the convenience of payroll deductions with the benefits of tax-deferred savings and (if your employer’s plan permits) Roth after-tax contributions. And essential for someone getting started, you can start small and adjust your account as your economic situation changes.


ENJOY THE BENEFITS

Tax advantages
Investment choices
Personal support
 

Features that make sense today and tomorrow

EQUI-VEST offers a wide variety of investment options, including a Guaranteed Interest Option, to help you grow your retirement savings. You can create your own investment portfolio, or if you prefer a one-step approach, you can choose a pre-selected portfolio based on your risk preference or target retirement date.

Not to be overlooked are EQUI‑VEST’s guaranteed benefits - death benefit coverage to help you financially protect your loved ones, and a lifetime income benefit for guaranteed withdrawals. Loans are available, too, if permitted under your employer’s plan.

EQUI-VEST OFFERS
Loans
Death benefits
Lifetime payout option

Support in many forms

Financial professionals are available to help create a retirement plan and show you how to use the resources available to you. We also have web‑based account tools and resources that make it easy to manage your account. And our Customer Service Representatives are available during normal business hours at (888) 292-4636.

SUPPORT
Financial professionals
Online accounts
Telephone support

 

Spotlight
  • Getting personal

    Highly trained and knowledgeable about retirement plans and real life issues we all face, your financial professional can help you make saving for your retirement a reality.

    Why not schedule a meeting with a financial professional today?

    Learn more here

Adjusting to changing life needs

Is it time to check up on your savings? The EQUI-VEST® variable annuity offers the flexibility to let you make adjustments when needed. So review your savings rate, revisit your investment option choices, or consider lifetime payment options. EQUI-VEST offers you benefits, resources, and support to help work towards your retirement dreams.

Tell me more about EQUI-VEST

 

Calculate your goals

How much should you save?

Just answer four simple questions to produce an estimate of retirement savings and the annual retirement income they’ll generate. See if you’re ahead of the game or maybe a little behind. Because now is the time to find out and fine-tune your savings strategy so you’ll be “retirement ready.”

Start now
 

Find the right solution

Stay on track for your retirement

Time to adjust your savings strategy?

It’s easy to lose track of your retirement savings goals, but it’s very important not to. Your employer’s 403(b) plan can help you get “retirement ready” by combining the convenience of payroll deductions with the benefits of tax-deferred savings and (if permitted) Roth after-tax contributions.

FEATURES
Contribution limits
Investment choices

Keep in mind that you can contribute up to $18,000 to your employer’s plan in 2015. You may also be able to make additional catch-up contributions if you are age 50 or older (an extra $6,000) or have at least 15 years of service (an extra $3,000).

Are your investment option choices up-to-date?

EQUI-VEST offers a wide variety of investment option choices, including a Guaranteed Interest Option, that accommodate a range of investor profiles, risk preferences, and life stages. Your financial professional is always available to meet with you for a retirement status check-up and to help you adjust your investment portfolio as needed.

Are you familiar with our features?

EQUI-VEST comes with a powerful line-up of web-based account tools and resources. Not to be overlooked is its guaranteed death benefit coverage, which can help you financially protect your loved ones. It also has several lifetime retirement payout options; a feature that for an additional fee can provide guaranteed withdrawal benefits for life, and for employees who want professional investment advice, an optional managed account service.

TAKE A LOOK AT
Death benefits
Lifetime payout option
Managed Accounts

 

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. 

When you’re close to retirement age

As you get closer to retiring, you may want to start planning how you might maximize your savings or how you’ll manage your cash flow during your retirement years. The EQUI-VEST® variable annuity has features, resources, and support that can help you get “retirement ready."

Tell me more about EQUI-VEST

 

Calculate your goals

How much more should you save?

Just answer four simple questions to produce an estimate of retirement savings and the annual retirement income it’ll generate. Think you’ll need more? The calculator will let you make some adjustments—like retiring later or increasing contributions—to help you decide when you’ll be “retirement ready.”

Start now
 

Find the right solution

Retire with EQUI-VEST®

Managing your cash flow

Use EQUI-VEST to maximize your savings: contribute up to $18,000 to your employer’s plan in 2015. You may also be able to make additional catch-up contributions if you are age 50 or older (an extra $6,000) or have at least 15 years of service (an extra $3,000).

SEVERAL PAYOUT OPTIONS
Lifetime income
Partial withdrawals
Lump sum payment
 

Continue enjoying the benefits of EQUI-VEST during your retirement years. It offers several payout options to help you manage your cash flow. And you can supplement these options with EQUI-VEST’s Personal Income BenefitSM, a “pension-like” benefit that provides guaranteed withdrawal payments for life.

Talk with your financial professional

With retirements lasting 20, 25, and even 30 years, how you draw down your retirement savings is extremely important. It’s a decision that can have a significant impact on your finances throughout your retirement years. Your financial professional can help you review EQUI-VESTs many payment options and discuss the pros and cons of each.

 

Spotlight
  • Investment advice available

    Want to have a professional recommend an EQUI-VEST investment option portfolio for you? Managed Account Service—an optional service, available for an additional fee--does just that and provides ongoing account monitoring, too. It’s available for an additional fee through ProNvest*, an independent registered Investment Advisor.

    Learn more here

    *ProNvest is not affiliated with AXA Equitable or its affiliates. This service is not available in all states. Depending on portfolio size or frequency of securities transactions, you should evaluate whether this service is suitable. Additional restrictions and limitations apply to the Managed Account Service.  Please see the prospectus for more details.

Have a financial professional contact you


* Required

1 Source: LIMRA, Not-for-Profit Survey, Participants as of 12/31/2013 and Contributions for Full Year 2013.

2 Includes 403(b) and 457(b) plans as of 9/30/2014.

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 59 ½ 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.  Read it carefully before you invest or send money

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

This content is not a complete description of the EQUI-VEST contract.

EQUI-VEST is issued by AXA Equitable Life Insurance Company(New York, NY).  Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC (members FINRA, SIPC).

Guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

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

Contract form #s: 2006BASE-I-A/B, 2006BASE-A/B, 2008EQVTSA201, 2008EQV201, 2008EQVBASE201-A, 2010SIO201-I/G, 2012 RDPIB,  and any state variations.

GE-96927 (09/2014)