|
Retirement Plan Solutions for Individuals
The PlanMember Services Program offers a choice of five investment options1, each with different features and membership services. PlanMembers can select their investment option based on their investment knowledge, type of service desired and comfort level. Whether it’s the full-service approach of the Elite option or a more do-it-yourself approach, the PlanMember Services Program gives members the freedom to choose the investment solution that’s right for them.
PlanMember Elite
Designed for people who prefer to have their account professionally managed, the PlanMember Elite option includes Hybrid and Index versions. Both versions offer five professionally managed PlanMember investment portfolios consisting of no-load and load-waived2 mutual funds from some of the nation’s leading fund companies. Each PlanMember Portfolio is designed to pursue a specific investment objective and is managed according to the same time-tested approach to retirement investing as the nation’s largest pension plans.
The Index version favors index funds over actively managed funds and features mutual funds from Dodge & Cox, T. Rowe Price and Vanguard. The Hybrid version combines index and actively managed funds and features no load and load-waived mutual funds from Vanguard and American Funds. The mutual fund selections for both versions feature low internal fund management expenses and are broadly diversified across investment styles and asset classes.
PlanMember Select
This option is designed for investors who wish to work with a PlanMember Registered Representative to select their investments and manage their portfolio. Members can choose from a platform of more than 600 mutual funds in A, B and C share classes from 15 different mutual fund families, including:
| AIM |
Alliance Bernstein |
American Funds |
| DWS Investments |
Federated Investors |
Fidelity Advisor |
| Franklin Templeton |
Hartford |
John Hancock |
| MFS |
OppenheimerFunds |
Pioneer |
| Pincipal |
Putnam |
Security Funds |
PlanMember Direct
This program is designed for investors who prefer a completely do-it-yourself approach and who want to construct and manage their portfolio from a platform of more than 300 no-load and load-waived2 mutual funds from 11 different companies. Fund companies include:
| AIM |
Fidelity |
Putnam |
| American Century |
Franklin Templeton |
T. Rowe Price |
| American Funds |
MFS |
Vanguard |
| Columbia |
OppenheimerFunds |
|
Symetra Flex Premium Plus Fixed Annuity
This option is a flexible premium fixed deferred annuity designed for investors desiring guaranteed returns3 and competitive interest rates. Flex Premium Plus has no front-end sales charges and offers the built-in benefits of a guaranteed return of purchase payments3, guaranteed lifetime income3,4, a nursing home and hospitalization waiver5 of withdrawal charges and free annual withdrawals6.
Symetra Daily Value Fixed Account
This option is designed for retirement investors concerned about asset protection and who desire to allocate all or a portion of their assets to an insurance product that provides a guarantee against loss of principal3. Interest is credited daily and never falls below 1.5%. There are no surrender charges for either plan-responsive withdrawals or transfers to non-competing options within your employer’s plan.
1 Certain options not available through all plans.
2 An annual asset-based fee will apply as well as the internal expenses and fees of the underlying funds.
3 Guarantees and benefits are subject to the claims-paying ability of the underlying insurance company.
4 Maximum issue and annuitization age is subject to state approval. Some states have a maximum issue age of 80 and a maximum annuitization age of 90.
5 May not be available in all states.
6 Withdrawals in excess of 10% of contract value per contract year are subject to a declining withdrawal charge for contract years one through seven.
Before investing in any mutual fund carefully read the prospectus(es) which contain information about investment objectives, risks, charges, expenses and other information all of which should be carefully considered before investing. For current prospectus(es) call (866) 509-2238. Investing involves risk. The investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than the original purchase price. Mutual funds and money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Asset allocation or the use of an investment advisor cannot guarantee a profit nor ensure against loss.
|
