Service Details

Retirement Strategies

A simple, effective all-in-one retirement solution that seeks to help meet the needs of retirement savers, including DC plan participants.

Retirement Strategies may come in a single package, but each fund has a high level of diversification that may help investors put their money to work more effectively toward their retirement goals. Retirement Strategies provide:

• Diversification across asset types and styles
• An asset mix that adjusts over time
• Volatility management
• Research-driven active management
• Disciplined rebalancing to stay on track

Each fund is named for a target datethe approximate year when you expect to retire and start withdrawing from your account. Funds furthest from their target dates emphasize growth potential by allocating retirement investments almost entirely to equities. As investors move closer toand intoretirement, the funds automatically adjust to a more conservative asset mix.

Investments in Retirement Strategies are not guaranteed against loss of principal: at any time, your account value can be more or less than the original amount contributedincluding at the time of the fund’s target date. Also, investing in Retirement Strategies does not guarantee sufficient income in retirement.

Retirement Strategies for All Age Groups

Diversification Across Asset Types and Styles

Investors’ money is spread over as many as 12 different asset types, equity styles and geographiesthe best ideas of AllianceBernstein’s portfolio teams in a single fund. Please note that diversification does not eliminate the risk of loss.

An Asset Mix that Adjusts over Time

As retirement gets closer, and well beyond that date, we gradually adjust the Retirement Strategies to a more conservative investment mix to focus more on protecting principal and generating income. That means fewer stocks as well as more bonds and short-term investments.

While diversification and shifting to a more conservative investment mix over time help to manage risk, they do not guarantee earnings growth. There is a potential to lose money in any investment program. You do not have the ability to actively manage the investments within a Retirement Strategy. The portfolio managers control your security selection and asset allocation.

Volatility Management

During periods of extreme volatility, we try to reduce the severity of extreme outcomes. Our volatility-management component invests in a mix of equities and Real Estate Investment Trusts (REITs) in normal markets but has the ability to move into bonds and cash when it’s appropriate to reduce overall portfolio risk.

Research-Driven Active Management

Retirement Strategies reflect AllianceBernstein’s extensive experience in developing retirement solutions to satisfy investors’ objectives. For many years, we’ve invested in proprietary forecasting tools* to assist us in investment portfolio management that incorporates the unpredictability of the markets in order to produce greater certainty of meeting a desired goal.

The fund will be actively managed for 15 years after retirement, becoming gradually more conservative and placing greater emphasis on income and risk reduction.

*When applying a particular asset-allocation model for retirement investing, you should consider your other assets, income and investments (i.e. equity in a home, IRA investments, savings accounts and interests in other qualified and non-qualified plans) in addition to any investment in Retirement Strategies. The portfolio managers control your security selection and asset allocation.

Serving Many Investors’ Needs