With today's retirement planning challenges, what do participants want most?
Potential for growth...downside market protection...access to their assets...flexibility to adjust contributions. All are important to consider in addressing the needs of plan participants. But, what do they want most?
Research tells us that nine out of ten participants in defined contribution retirement plans seek guaranteed income that they cannot outlive.1 Americans are working hard to save and invest wisely. Their goal is to build a base they can use someday to replace their employer paychecks with self-funded retirement income that won't run out.
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1 2010 Greenwald Survey ACLI.
Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms, and conditions. Withdrawals or transfers (other than transfers between IncomeFlex Target Funds) proportionately reduce guaranteed values prior to locking in. After Lock-in withdrawals in excess of the Lifetime Annual Withdrawal Amount will reduce future guaranteed withdrawals proportionately.