When it comes to planning for retirement, knowing the best moves to make now — and throughout your career — can be a challenge. But not so much anymore. With Semester Strategies, a simplified investment strategy available through your EQUI-VEST® variable annuity contract, you and your financial professional can easily set up a plan that reflects your needs and comfort with risk, and stays aligned with your life as your career evolves.
Take a look at just some of the advantages:
A simplified strategy: With Semester Strategies and the help of your financial professional, it is now easier for you to make smart choices. Wherever you are on
your journey and whatever financial well-being means to you, your financial professional is there to meet you where you are, with conversations and options tailored to you — including your needs and financial goals, the age you plan to retire and your comfort with changes in the market.
Designed exclusively for educators: Semester Strategies was designed with the unique retirement needs of educators and other public service employees in mind. It works alongside your pension and moves through life with you — toward the comfortable retirement you deserve.
Evolves with you: One of the challenges in saving for retirement is finding time to periodically review your investment choices to keep them aligned with
your life. Your financial professional is always there to help guide you, but Semester StrategiesSM adds something extra. Offered through an independent third-party fiduciary,1 Semester Strategies takes into account the need for growth potential earlier on, while monitoring and adjusting to a more conservative approach over time to help ensure you’re getting closer to your goals.
Expert oversight at no extra cost to you: The independent third party provides oversight on your selected model portfolio at no extra cost to you and is required by law to act in your best interest.
And enjoy 10% downside protection, with the opportunity for growth up to a cap, through the Structured Investment Option (SIO).
Learn More: https://equitable.com/retirement/products/semester-strategies