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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

  • Diverse investment options
  • Educational programs
  • Guaranteed withdrawals for life

The Retirement Gateway® group variable annuity is designed to offer you an opportunity to save toward retirement with investment options managed by leaders in the fund industry, the ability to turn retirement savings into guaranteed withdrawals, and more.

Retirement Gateway® offers investment strategies that meet investor needs – from beginner to sophisticated investor.  If you are looking for a one-step investment approach, Retirement Gateway® offers several possibilities, including target date and risk-based asset allocation portfolios.  If you prefer to build your portfolio, Retirement Gateway® offers a broad selection of investment options from leading investment managers.

Want more details on how this product may help you? Talk to a financial professional

Retirement Gateway® provides you with the tools you need to plan for and address your retirement goals.  The Personal Income BenefitSM feature allows for a guaranteed steady stream of withdrawals that will continue throughout your retirement, regardless of market volatility, inflation, or even how long you live.

Early withdrawals from the Personal Income BenefitSM account value or withdrawals from the Personal Income BenefitSM account value that exceed the Guaranteed Annual Withdrawal Amount may significantly reduce or eliminate the value of the Personal Income BenefitSM. The Personal Income BenefitSM feature is not appropriate if the account owner does not intend to take withdrawals prior to annuitization.

The group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payment(s) are made on behalf of retirement plan participants to an insurance company, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to, administrative fees and charges for investment management. Withdrawals from 401k plans are subject to normal income tax treatment and, if taken prior to age 59 ½, may be subject to an additional 10% federal income tax penalty. Withdrawals from 457(b) plans are generally not allowed unless there is a separation from service or the participant reaches age 70 ½, and are subject to normal income tax treatment. Amounts rolled over from another eligible plan are tracked separately and may be subject to an additional 10% federal tax income penalty if withdrawn. Contact a financial professional for costs and complete details.

Are you an employee of the state, county or local government agency? You may be eligible to participate in a 457(b) plan. The following provides highlights of Retirement Gateway® for 457(b) plans. Some features described below may not be available under your employer’s 457(b) plan.  For more complete details, please download the program summary and prospectus for the underlying investment option information.

Please speak with your employer or financial professional for additional information. 

Product Overview & Features

The Retirement Gateway® variable annuity is designed to offer you an opportunity to save toward retirement with a diversified selection of investment options managed by leaders in the fund industry, the ability to turn retirement savings into guaranteed withdrawals, and more. Features include:

  • Personal Income Benefit℠ is an optional guaranteed withdrawal benefit, available for an additional charge, that can provide lifetime income payments
  • Ability to invest on a tax deferred basis
  • Transfers among investment options (may be subject to restrictions)
  • Asset Rebalancing
  • Loans

Diversified Selection of Investment Options & Strategies

Retirement Gateway® offers investment strategies that meet your needs – from the beginner to the sophisticated investor.

For investors who are looking for a one-step investment approach, AXA Equitable offers:

  • Target Date Allocation Portfolios
  • Risk-Based Asset Allocation Portfolios

Do-it-yourself investors who want to manage their own portfolios can select from:

  • Wide selection of investment options representing all major asset classes and from some of the most distinguished names in the money management industry
  • Varying portfolio strategies including active, index, combined and multi-manager
  • Guaranteed Interest Option (GIO)
  • Stable Value Fund 1
  • Individually Directed Account (IDA)

Investment options are subject to market risk, will fluctuate and may lose value.

Download the Retirement Gateway 457(b) prospectus for the underlying investment option information

Education and Empowerment

NowPlanSM is an innovative educational program designed to empower you with knowledge and information to help you work toward a well-planned retirement.

  • Online, in person, and print communications enable you to take action at your own pace and whenever your situations and goals change
  • Distribution and post retirement guidance
  • Personal education and service provided by your financial professional and Education Consultants

Account Information

You have access to a full complement of communications about the activity of your account that can help you make informed decisions. Access to your account, account notices, statements, and reports are available online.   

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

1 AXA Equitable does not guarantee the principal amount of, or the rate of interest on, Stable Value Fund investments or the credit-worthiness of any issuers of securities or contracts purchased by the Stable Value Fund.

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

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. This material is not a complete description of all material provisions of the contract and must be preceded or accompanied by a current Retirement Gateway® disclosure brochure and trust prospectus. Please read the disclosure brochure and trust prospectus before purchasing a contract.

Certain types of contracts and features may not be available in all jurisdictions.

Because an annuity contract would be used to fund this qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of 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 be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Gateway® is issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Advisors, LLC,  and AXA Distributors, LLC, SIPC. AXA Equitable and its affiliates do not provide tax or legal advice.

Contract form #2011RG-457, 2012RDPIB-RG and any state variations.

Retirement Gateway® is a registered service mark and NowPlanSM is a service mark of AXA Equitable Life Insurance Company.

The following provides highlights of Retirement Gateway® for 401(k) plans. Some features described below may not be available under your employer’s 401(k) plan.  For more complete details, please download the program summary and prospectus for the underlying investment option information.

Please speak with your employer or financial professional for additional information. 

Product Overview & Features

The Retirement Gateway® variable annuity is designed to offer you an opportunity to save toward retirement with a diversified selection of investment options managed by leaders in the fund industry, the ability to turn retirement savings into guaranteed withdrawals, and more. Features include:

  • Personal Income Benefit℠ is an optional guaranteed withdrawal benefit, available for an additional charge, that can provide lifetime income payments
  • Ability to invest on a tax deferred basis
  • Transfers among investment options (may be subject to restrictions)
  • Asset Rebalancing
  • Loans

Diversified Selection of Investment Options & Strategies

Retirement Gateway® offers investment strategies that meet your needs – from the beginner to the sophisticated investor.

For investors who are looking for a one-step investment approach, AXA Equitable offers:

  • Target Date Allocation Portfolios
  • Risk-Based Asset Allocation Portfolios

Do-it-yourself investors who want to manage their own portfolios can select from:

  • Wide selection of investment options representing all major asset classes and from some of the most distinguished names in the money management industry
  • Varying portfolio strategies including active, index, combined and multi-manager
  • Guaranteed Interest Option (GIO)
  • Stable Value Fund 1
  • Individually Directed Account (IDA)

Investment options are subject to market risk, will fluctuate and may lose value.

Download the Retirement Gateway 401(k) prospectus for the underlying investment option information

Education and Empowerment

NowPlanSM is an innovative educational program designed to empower you with knowledge and information to help you achieve a well-planned fully-funded retirement. 

  • Online, in person, and print communications enable you to take action at your own pace and whenever your situations and goals change
  • Distribution and post retirement guidance
  • Personal education and service provided by your financial professional and Education Consultants

Account Information

You have access to a full complement of communications about the activity of your account that can help you make informed decisions. Access to your account, account notices, statements, and reports are available online.  


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

1 AXA Equitable does not guarantee the principal amount of, or the rate of interest on, Stable Value Fund investments or the credit-worthiness of any issuers of securities or contracts purchased by the Stable Value Fund.

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

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. This material is not a complete description of all material provisions of the contract and must be preceded or accompanied by a current Retirement Gateway® disclosure brochure and trust prospectus. Please read the disclosure brochure and trust prospectus before purchasing a contract.

Certain types of contracts and features may not be available in all jurisdictions.

Because an annuity contract would be used to fund this qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of 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 be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Gateway® is issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by an affiliates AXA Advisors, LLC,  and AXA Distributors, LLC, SIPC. AXA Equitable and its affiliates do not provide tax or legal advice.

Contract form #2012QPRG, 2012RDPIB-RG and any state variations.

Retirement Gateway® is a registered service mark and NowPlanSM is a service mark of AXA Equitable Life Insurance Company. Wilshire® is a registered service mark of Wishire Associates Incorporated, Santa Monica, California.

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. This material is not a complete description of all material provisions of the contract and must be preceded or accompanied by a current Retirement Gateway® disclosure brochure and trust prospectus. Please read the disclosure brochure and trust prospectus before purchasing a contract.

Certain types of contracts and features may not be available in all jurisdictions.

Because an annuity contract would be used to fund this qualified employer-sponsored retirement arrangement, you should purchase the annuity contract for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of 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 be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Gateway® is issued by AXA Equitable Life Insurance Company (NY, NY) and co-distributed by affiliates AXA Advisors, LLC,  and AXA Distributors, LLC, SIPC. AXA Equitable and its affiliates do not provide tax or legal advice.

Contract form #2011RG-457, 2012RDPIB-RG and any state variations. Retirement Gateway® is a registered service mark and NowPlanSM is a service mark of AXA Equitable Life Insurance Company.

GE – 90072 (12/31/2013)