Semester Strategies®
Take charge of your future with a simplified investment strategy
Semester Strategies®
Your retirement under your control. Let's make it happen.
You’re on the path to supplementing your pension by enrolling in a 403(b) retirement savings plan. Now, consider taking the next step and boost the possibilities for your future even more with Semester Strategies®, a simplified investment strategy available from SWBC Investment Advisory Services LLC through your EQUI-VEST® variable annuity.
The benefits of Semester Strategies®
With the support and guidance of your financial professional, making smart choices for the future can be even easier with this flexible 403(b) plan investment strategy that evolves with you throughout your career.
Semester Strategies® is available through your EQUI-VEST® group variable annuity.
A simplified strategy
Evolves with you
Expert oversight at no extra cost to you1
Expert oversight by an independent third party, at no extra cost to you.Step 1: Choose the age you plan to retire.
Select the age when you think you’ll retire, and you’ll be placed in a model portfolio based on the number of years left before retirement. In each portfolio, 20% of your assets are invested in the Structured Investment Option (SIO), which provides growth opportunities up to a cap and protection from market losses up to -10%.
Semester Strategies®
Model portfolios shown above are for illustrative purposes only and intended to demonstrate potential asset allocations at various points before a participant’s planned retirement age. Your actual asset allocations in model portfolios may vary. The exact allocations (percentages) within each model portfolio shown may change at the discretion of SWBC Investment Advisory Services, LLC d/b/a SWBC Retirement Plan Services.
The EQUI-VEST ® variable annuity is offered by prospectus, which provides important information about the annuity’s restrictions, limitations, risks, charges, expenses and investment objectives. Current EQUI-VEST ® contract holders, please consult your prospectus and the prospectus for the underlying portfolios containing this and other important information. Prospective clients, please contact Equitable Financial Life Insurance Company (Equitable Financial) or an Equitable Advisors Financial Professional for these prospectuses and read them carefully before you invest or send money.
Step 2: Decide if you want a more conservative approach
If you would like a more conservative approach with your retirement investments, consider Semester Strategies ® Plus, which allocates more of your portfolio to SIO.
Semester Strategies®
Model portfolios shown above are for illustrative purposes only and intended to demonstrate potential asset allocations at various points before a participant’s planned retirement age. Your actual asset allocations in model portfolios may vary. The exact allocations (percentages) within each model portfolio shown may change at the discretion of SWBC Investment Advisory Services, LLC d/b/a SWBC Retirement Plan Services.
The EQUI-VEST ® variable annuity is offered by prospectus, which provides important information about the annuity’s restrictions, limitations, risks, charges, expenses and investment objectives. Current EQUI-VEST ® contract holders, please consult your prospectus and the prospectus for the underlying portfolios containing this and other important information. Prospective clients, please contact Equitable Financial Life Insurance Company (Equitable Financial) or an Equitable Advisors Financial Professional for these prospectuses and read them carefully before you invest or send money.
Products funding group retirement plans are issued by Equitable Financial Life Insurance Company, NY, NY. Equitable Financial and its affiliated companies do not offer tax or legal advice and are not affiliated with any school district, state agency or program. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of America, an AZ stock company with main administrative headquarters in Jersey City, NJ; and Equitable Distributors, LLC. The obligations of Equitable Financial and Equitable America are backed solely by their claims-paying abilities. GE-4827897.1(7/22)(Exp. 7/24)
A variable deferred annuity, such as EQUI-VEST ®, is a long-term financial product that is designed for retirement purposes. In essence, it is a contractual agreement in which payments are made to an insurance company, which agrees to pay an income stream or lump-sum amount at a later date. There are contract limitations, fees and charges associated with variable deferred annuities, which include, but are not limited to, mortality and expense risk charges, withdrawal charges and administrative fees. For costs and complete details, see the prospectus or contact your financial professional. The variable investment options offered in this contract will fluctuate and are subject to market risk, including loss of principal.
As is the case with any investment or investment feature, it’s important for current and prospective EQUI-VEST ® variable annuity contract holders to understand all applicable restrictions and limitations associated with Semester Strategies®. As some examples, the EQUI-VEST ® variable annuity contract holder’s planned retirement age cannot be later than the maturity date under their contract, and those currently invested in the Personal Income Benefit SM (PIB) are not eligible to participate in Semester Strategies® (Program) at this time. Also, those with current investments in the Structured Investment Option (SIO) may not be eligible to participate in the Program if their current SIO allocations are higher than the model portfolio allocations to the SIO.
Your needs, goals and circumstances are unique, and they require the individualized attention of your financial professional.
EQUI-VEST ® is a registered service mark of, and is issued by, Equitable Financial Life Insurance Company, NY, NY 10104. Equitable Advisors Financial Professionals offer securities through Equitable Advisors, LLC (NY, NY (212) 314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC; Equitable Network Insurance Agency of Utah, LLC; Equitable Network of Puerto Rico, Inc.).
Variable Annuities: Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value
