401(k) plans
Help your employees save with a 401(k) retirement plan
A 401(k) plan is one of the best ways for people to save enough money to live the life they want in retirement. It’s designed to have the flexibility to adjust as employees' needs change and can help them pursue a more comfortable retirement.
A hassle-free retirement certainty1 option for employees.
How can a 401(k) plan help employees save?
Equitable's participant website and online tools can be used by employees to help provide guidance on setting retirement goals, determining how much to save and educating themselves, at their own pace, throughout the enrollment process and beyond. We also offers financial education emails to help your employees better understand the importance of saving and preparing for retirement.
Option for retirement certainty1
While employees can have a variety of investments from which to choose, they may want more certainty in their asset growth. The Equitable Fixed Account1 is designed to accommodate that certainty, which provides a minimum fixed interest on savings, no matter what.
Managed accounts may lead to better outcomes
Managed accounts provide participants the ability to create personalized investment strategies based on their preferences, which may lead to better outcomes.
Increase in Retirement Wealth
7 in 10 participants increased their projected 10-year retirement wealth by an average of 23% net of investment and advice fees.2
Higher Contribution Rates
Studies show that participants who use managed account services have higher contributions rates.2
The experience of an industry leader
Since 1859, Equitable Financial Life Insurance Company has helped people build and secure their financial futures. We stand among the nation’s premier providers of life insurance and annuity products, providing stability and reliability to our clients.
Equitable Group Retirement Strategies
Resources to help you educate yourself, your prospects and clients
1 “Retirement Certainty” specifically refers to the Equitable Fixed Account available through a group fixed annuity issued by and backed by the claims-paying ability of Equitable Financial Life Insurance Company (Equitable Financial).
2 Vanguard, How America Saves 2021: Insights to Action.
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IMPORTANT NOTE
Equitable believes that education is a key step toward addressing your financial goals, and we've designed this discussion to serve simply as an informational and educational resource. Accordingly, this content does not offer or constitute investment advice and makes no direct or indirect recommendation of any particular product or of the appropriateness of any particular investment-related option.
This discussion is not intended as legal or tax advice.
An annuity contract used to fund a qualified employer-sponsored retirement arrangement should be considered for its features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit of the annuity. The relative features, benefits and costs of an annuity should be considered alongside with any other investment that one may have in connection with his or her retirement plan or arrangement.
Annuities and life insurance products issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company and distributed by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN) and Equitable Distributors, LLC. The subsidiaries of Equitable Holdings, Inc. do not provide tax, accounting or legal advice or services.
