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For Customers, Financial Professionals and Employees

For Employer Plan Administrators

Retirement Gateway, Retirement Strategies or Momentum
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EQUI-PATH 403(b) Mutual Fund

Retirement is one of the key financial goals for many people.  Saving early and often is important.  So is taking advantage of products and accounts designed specifically for retirement.

Tax advantages are a key feature of annuities, IRAs and employer sponsored retirement savings plans, such as 401(k), 403(b) and 457(b) plans.  Any earnings growth in these products is generally tax-free until you make withdrawals, generally when you are retired and may well be in a lower tax bracket. 

What's more, your contributions to IRAs and employer retirement plans may be made pretax or may be tax deductible, helping reduce your current tax bill.  

Annuities

An annuity is long-term retirement product that can help protect you against the risk of outliving your assets. It is a contract between you and an insurance company: you receive future income in return for your contributions.

Any earnings on contributions are tax-deferred until they are withdrawn, usually at retirement when you may be in a lower tax bracket. You may receive income in a number of ways, including payments that will last for as long as you live. Annuities can be a valuable addition to your retirement plan.

How annuities can help you

Annuities offer many features that can help you to:

  • Receive retirement income payments for as long as you live
  • Protect beneficiaries with a death benefit  
  • Diversify your investments
  • Provide an opportunity for growth on a tax-deferred basis
  • Avoid outliving your assets

Variable annuities

Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferred accumulation and future income.

Variable annuities are designed for people willing to take more risk with their money in exchange for greater growth potential. While there is more risk associated with a variable annuity, many variable annuities offer guarantees of principal and downside protection at an additional cost (depending on contract rider availability). These guarantees do not apply to the investment performance or safety of amounts held in the variable investment options.  Variable annuities offer:

  • Tax-deferred growth potential
    Taxes are deferred on earnings until money is withdrawn.
  • The opportunity for market appreciation
    A variety of investment options are available. 
  • Access to account value
    Most variable annuities allow withdrawal of a portion of your account value without penalty. Withdrawals may be subject to a contingent deferred sales charge within the first several years of any contribution, and if taken prior to age 59½, will be subject to a 10 percent IRS penalty.
  • Benefits to beneficiaries 
    Death benefits paid directly to a named beneficiary are not subject to probate.
  • Benefits to spouses
    Spousal beneficiaries may continue the contract and its tax deferral, if this option is chosen.

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.

Individual Retirement Accounts

IRAs are savings plans that enable you to defer paying taxes on the any earnings growth until you actually withdraw the money, after age 59.5 . There are different types of IRAs, each with their own tax implications and eligibility requirements. The two primary types of IRAs are:

  • Traditional IRAs
    Contributions may lower your taxable income and earnings grow tax deferred until withdrawn, usually at retirement when you may be in a lower income bracket.
  • Roth IRAs
    Contributions do not lower your taxable income, but qualified earnings can be withdrawn tax-free.

Learn more about IRAs from AXA Advisors, LLC

Employer sponsored plans

For many people, their 401(k), 403(b) or 457(b) plan is a significant way to plan and save for retirement. They allow people to put a portion of their annual income into investment accounts specifically for retirement.

Tax free investment growth potential is one of their key features. Combined with other investment products, our plans can be an important part of an overall retirement strategy.

Does your employer offer EQUI-VEST® or Retirement Gateway® as part of their plan?

Learn about them here

Are you an employer looking for a plan for your company or organization?

Learn about our employer offering here

The next step

To explore the benefits of our product, select a viewing option from the blue bar at the top of this page.

Variable Annuities

Investment Edge℠

Defers current taxes when you're trying to accumulate wealth and provides tax-efficient distributions, adding powerful tax advantages to your diversified portfolio.

BENEFITS

Diversification
Tax-efficient
Tax deferral

Variable Annuities

Retirement Cornerstone®

A single tax-deferred platform comprised of two separate accounts with distinct features that help you address different goals - offering the ability to not only accumulate, but also protect your retirement income.

BENEFITS

Diversification
Income protection
Tax deferral

Variable Annuities

Structured Capital Strategies®

Several investment options, some of which allow you to participate in the upside potential of indices that track certain domestic, international and commodities markets, which have a built-in protection feature.*

BENEFITS

Upside potential
Partial protection
Tax deferral

Variable Annuities

The Accumulator® Series

A long-term retirement product that allows you the ability to invest for growth potential on a tax-deferred basis. Also provides for guaranteed benefits through optional riders available for an additional fee.

BENEFITS

Investment
Lifetime income
Death benefit

Individual Retirement Accounts

Traditional, Roth and SEP IRAs as well as Coverdell Savings Accounts

Work with AXA Advisors to realize immediate tax benefits that can lower your taxable income and enable assets you set aside for retirement or education funding to accumulate without immediate taxation.

BENEFITS

Range of products
AXA expertise
Tax deferral

Retirement Plans

EQUI-VEST®

EQUI-VEST® is a cost-effective variable deferred annuity contract that offers you a convenient way to contribute to and invest for retirement.

BENEFITS

Diversification
Growth potential
Simplicity

Retirement Plans

Retirement Gateway

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.

BENEFITS

Diversification
Personalized education
Lifetime income

Variable Annuities

Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferred accumulation and future income. Variable annuities are designed for people willing to take more risk with their money in exchange for greater growth potential.

While there is more risk associated with a variable annuity, many variable annuities offer guarantees of principal and downside protection at an additional cost (depending on contract rider availability). However, these guarantees do not apply to the investment performance or safety of amounts held in the variable investment options.

Investment Edge℠

Defers current taxes when you're trying to accumulate wealth and provides tax-efficient distributions, adding powerful tax advantages to your diversified portfolio.

BENEFITS

Diversification
Tax-efficient
Tax deferral

Retirement Cornerstone®

A single tax-deferred platform comprised of two separate accounts with distinct features that help you address different goals - offering the ability to not only accumulate, but also protect your retirement income.

BENEFITS

Diversification
Income protection
Tax deferral

Structured Capital Strategies®

Several investment options, some of which allow you to participate in the upside potential of indices that track certain domestic, international and commodities markets, which have a built-in protection feature.*

BENEFITS

Upside potential
Partial protection
Tax deferral

The Accumulator® Series

A long-term retirement product that allows you the ability to invest for growth potential on a tax-deferred basis. Also provides for guaranteed benefits through optional riders available for an additional fee.

BENEFITS

Investment
Lifetime income
Death benefit

Traditional, Roth and SEP IRAs as well as Coverdell Savings Accounts

Work with AXA Advisors to realize immediate tax benefits that can lower your taxable income and enable assets you set aside for retirement or education funding to accumulate without immediate taxation.

BENEFITS

Range of products
AXA expertise
Tax deferral

EQUI-VEST®

EQUI-VEST® is a cost-effective variable deferred annuity contract that offers you a convenient way to contribute to and invest for retirement.

BENEFITS

Diversification
Growth potential
Simplicity

Retirement Gateway

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.

BENEFITS

Diversification
Personalized education
Lifetime income

Guarantees are based on AXA Equitable' s claims-paying ability.

This page is not a complete description of any product.  Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different. Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. Amounts in a variable annuity's investment portfolios are subject to fluctuation in value and market risk, including loss of principal.  A financial professional can provide cost information and complete details.

Variable annuity contracts have limitations, will fluctuate in value and are subject to market risk, including the possibility of loss of principal. Variable annuities generally impose withdrawal charges based on the withdrawal charge schedule. A combination of withdrawals and market declines could reduce a variable annuity’s account value to zero, in which case the contract would terminate. Withdrawals from annuities are subject to normal 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.

An annuity contact that is purchased to fund an employer-sponsored 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.

Annuities are issued by AXA Equitable Life Insurance Company (NY, NY) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. Variable life insurance and variable annuities are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, members  FINRA,SIPC. AXA Equitable, AXA Network , AXA Distributors and AXA Advisors are affiliated companies and do not provide legal or tax advice. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to investment portfolios. 

GE-65625 (11/2011)