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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. We are one of the nation’s leading providers of retirement plan funding products, so whatever your situation or your goals, you can count on us as your retirement planning partner.

EQUI-VEST® 457(b) for Government Employees is rated 4.7 out of 5 by 595.
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Making retirement saving achievable

Let AXA help you start getting ready for retirement today. Start small and adjust your savings as your life changes — our annuity products can serve as a funding vehicles for 457(b) plans and offer 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

 

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

Saving for retirement

Start small; adjust as needed

Your employer’s retirement 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
Flexibility
Tax advantages
Investment choices

Features that make sense today and tomorrow

Depending on your employer, AXA offers one of two products to support your employer’s 457(b) plan: an EQUI-VEST® variable annuity or a Retirement Gateway® variable annuity. Both products offer a variety of investment options, including a Guaranteed Interest Option, to help you potentially 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.

Loans are available, too, if permitted under the sponsoring employer’s plan. Not to be overlooked are the products’ death benefit coverages, which can help you financially protect your loved ones. Both products also have several lifetime retirement income payout options and both have a feature that for an additional fee provides guaranteed withdrawal benefits for life.

FEATURES
Loans
Death benefits
Lifetime income

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 457(b) account. And our Customer Service Representatives are available during normal business hours.

SUPPORT
Financial professionals
Online access
Telephone support

To learn more about the product we offer under your employer’s plan contact a financial professional or call
(888) 292-4636.

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? Our annuity products can serve as funding vehicles for 457(b) plans and offer the flexibility to let you make adjustments when needed. So review your savings rate or revisit your investment option choices — our products offer benefits, resources, and support to help you work toward your retirement dreams.

Tell me more

 

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 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.

TAKE A LOOK AT
Tax savings
Investment choices
Guaranteed payments
 

Keep in mind that you can contribute up to $18,000 to your employer’s plan in 2016. You may also be able to make additional catch-up contributions if you are age 50 or older (an extra $6,000) or are within three years of the plan’s normal retirement age. Your financial professional can help you determine how much you can contribute under the catch-up options.

Are your investment option choices up-to-date?

Depending on your employer, AXA offers one of two products to support your employer’s plan: an EQUI-VEST variable annuity or a Retirement Gateway variable annuity. Both products offer a 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?

Both of AXA’s products come with a powerful line-up of web-based account tools and resources. Not to be overlooked are their death benefit coverages, which can help you financially protect your loved ones. They also have several lifetime retirement payout options and a feature that for an additional fee can provide guaranteed withdrawal benefits for life.

FEATURES
Death benefits
Lifetime payout option

To learn more about the product we offer under your employer’s plan contact a financial professional or call
(888) 292-4636.

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 about AXA's Personal Income Benefit for:

    EQUI-VEST  Retirement Gateway

    * 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. Our annuity products can serve as funding vehicles for 457(b) plans and have the features, resources, and support that can help you get "retirement ready."

Tell me more

 

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

Review your retirement payout options

Managing your cash flow

Depending on your employer, AXA offers one of two products to support your employer’s plan: an EQUI-VEST variable annuity or a Retirement Gateway variable annuity.

Either product is a great way to maximize your savings: contribute up to $18,000 to your employer’s plan in 2016. Look into making additional catch-up contributions if you are age 50 or older (an extra $6,000) or are within three years of the plan’s normal retirement age. Your financial professional can help you determine how much you can contribute under the catch-up options.

SEVERAL PAYOUT OPTIONS
Lifetime income
Partial withdrawals
Lump sum

Whichever product is available to you, its benefits continue into your retirement years. Each offers several payout options to help you manage your cash flow. And you can supplement these options with the Personal Income BenefitSM, a “pension-like” benefit that provides guaranteed withdrawal payments for life for an additional fee.

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 your many payout options and discuss the pros and cons of each.

 

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 about AXA's Personal Income Benefit for:

    EQUI-VEST  Retirement Gateway

    * 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 4 out of 5 by from A capability I would like... Frustrating that you only allow faxes when requesting a disbursement. I no longer have a personal fax line. When attempting to fax via Kinkos-FedEx I have never ever been able to get through successfully. Have reverted to use of my Financial Advisor in order to process disbursements. Would rather do them on my own, according to my own schedule. Thanks.
Date published: 2016-08-08
Rated 5 out of 5 by from Financial Advisor The service provided by the advisor was outstanding. His professionalism and knowledge was admirable.
Date published: 2016-11-21
Rated 5 out of 5 by from Very helpful and we trust his knowledge. He is always prompt and courteous. We always respect his opinions and trust he has our best interests at heart.
Date published: 2016-11-20
Rated 5 out of 5 by from VERY HELPFUL AND INFORMATIVE THE AGENT WAS VERY FRIENDLY AND ANSWERED ALL MY QUESTIONS AND CONCERNS.
Date published: 2016-11-18
Rated 1 out of 5 by from Payment debacle Sent in renewal form to instruct payment type, and re-confirmed on email and yet, it was screwed up and contrary to what I had instructed twice!
Date published: 2016-08-08
Rated 5 out of 5 by from Worthwhile and Informative My financial planner has been smart, prompt, and a worthwhile friendship and I look forward to working with him as my career moves along.
Date published: 2016-06-21
Rated 4 out of 5 by from No problems with requesting money or making change I like the fact that almost everything can be done on line, but I still like to receive usual statements by postal service mail.
Date published: 2016-08-14
Rated 5 out of 5 by from Excellent advice My financial professional knows me and my needs well, and gives great, conservative guidance, which I greatly appreciate!
Date published: 2016-10-27
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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)

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 from 457(b) plans are generally not allowed unless there is a separation from service or the participant reaches age 70½, and are subject to normal income tax treatment. Amounts rolled over from another eligible plan are tracked separately are subject to ordinary income tax treatment and may be subject to an additional 10% federal income tax penalty if withdrawn. 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.  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 457(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 (or if applicable, product disclosure document) containing this and other information, please contact a financial professional.  Read it carefully before you invest or send money.

This content is not a complete description of the EQUI-VEST or Retirement Gateway annuity contracts.

Annuities are 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.

Contract form #2011RG-457 and any state variations.

 

GE-96928 (09/2014)