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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.”

EQUI-VEST® 457(b) for Government Employees is rated 4.7 out of 5 by 595.
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Retirement Gateway® simplifies offering a 457(b) plan

Use the Retirement Gateway variable annuity as a funding vehicle for 457(b) plans and help bring a valuable benefit to your employees. Designed specifically for governmental employers, Retirement Gateway is packed with features and services that can make sponsoring a 457(b) plan easier than you may think.

Tell me more about Retirement Gateway

 

Find the right solution

Consider a 457(b) plan

Your employees benefit — and so do you

A 457(b) plan is a high visibility benefit that can help employees save for their retirement and enhance your value as an employer. Not only can it be used to supplement a pension benefit, but it can also help make up potential losses in retirement income due to pension cutbacks.

The Retirement Gateway variable annuity comes with features, services, and support designed to both minimize the time a plan sponsor spends administering their plan, and address employees’ retirement concerns. It even gives you the option to automatically enroll eligible employees in your plan with Save 1‑2‑3SM. 1,2

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, along with fiduciary services1 to help you select and monitor investment option 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.3


RETIREMENT GATEWAY OFFERS

Fiduciary services
Self-directed brokerage
 

Comprehensive plan sponsor services

Ongoing administration and recordkeeping 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.

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.

EMPLOYEE RESOURCES
NowPlanSM
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.

Retirement Gateway® brings value to 457(b) plans

The Retirement Gateway variable annuity is a 457(b) funding vehicle that is packed with features and services designed specifically for governmental employers. 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 457(b) 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 457(b) plan by expanding the range of available investment options, providing fiduciary support services,1 and offering features that address your employees’ retirement concerns.   

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, along with 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

RETIREMENT GATEWAY OFFERS
Competitive fees
Fiduciary services
 

Comprehensive plan sponsor services

Ongoing administration and recordkeeping 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.

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 refresher on our annuity products

Our annuity products serve as funding vehicles for 457(b) plans and keep 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 — they’re available in the products we offer.

Tell me more

 

Find the right solution

Take a fresh look

Are you taking full advantage of our product?

We continually look at how we can enhance our annuity products to keep them relevant and valuable to plan sponsors and their employees. This review process has led to our adding several features and capabilities to our EQUI-VEST® and Retirement Gateway® products as shown below.

EQUI-VEST® variable annuity

EQUI-VEST’s extensive investment option lineup features options such as the Guaranteed Interest Option, designed to suit a wide range of participants, 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.3


EQUI-VEST OFFERS

Structured Investment Option
Personal Income BenefitSM
 

Retirement Gateway® variable annuity

Retirement Gateway includes a Guaranteed Interest Option and offers Save 1‑2‑3SM,1,2 an optional feature available at no additional charge, that you can use to automatically enroll eligible employees in your plan.

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. We have also updated our participant website to make it easier for participants to monitor their accounts and adjust their retirement strategy.

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

 

Spotlight
  • Personal Income BenefitSM

    A “pension-like” 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 about AXA's Personal Income Benefit:

    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.

Have a financial professional contact you


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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)

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.

3 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.

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.

GE-97256 (09/2014)