November 27, 2013

by tchasteen » Sat Feb 11, 2017 12:00 pm, Post by tchasteen » Tue Feb 14, 2017 5:31 pm, Post by KESP » Fri Feb 10, 2017 12:13 pm, Post One percent is a pretty standard charge for income riders, but do you need it? No match provided. See if anyone currently using them will print off what their contract is. Guarantees are based on the claims paying ability of the issuing insurance company. Underlying Portfolio Operating Expenses: This is another ongoing fee charged for the investments inside of the variable annuity. Their ability to offer annuities as part of their plan is a selling point. I am legally obligated to make recommendations that are in the best interest of my clients. One thing to be aware of with this particular annuity is that the surrender charge is based on how long your contributions have been in the contract. AXA pays agents 1.5% to 2% commissions on every future dollar you contribute to your 403 (b) annuity. You want to compare prices and features, and understand exactly what you’re buying. These frequently asked questions and answers provide general information and should not be cited as authority. Personal Income Benefit investment options give you the ability to turn your retirement savings into an annual withdrawal benefit. Yes, it could happen. All deferred annuities provide tax-deferred growth potential, not just this one. AXA is the main annuity provider at my school district. This independent review will cover the following information on the AXA Equi-Vest Annuity: How will this AXA annuity product review help you? Riders are additional guarantee options that are available to an annuity or life insurance contract holder. Typically speaking, a surrender fee is only assessed when an investor makes a withdrawal prior to a specified time. The fees on the current 403(b) can be drastically reduced. The salespeople who come out to your workplace and present you with investment options typically earn a sales commission whenever they get someone to buy into their annuity. There are different plans within AXA. Over time, these additional costs can negatively impact your return potential. This fee is charged by the life insurance side to cover the cost of providing the “Personal Income Benefit.” For this benefit, you will pay 1% annually, based on the value of your Personal Income Benefit account. Furthermore, any investment that you purchase inside your 403(b) account can give you tax-deferred growth. Some annuities that offer this fee add a guaranteed income base growth rate that typically range from 4.5-5.5% on top of the locked-in watermark. BENEFITS & FEATURES AS ADVERTISED BY THE AXA EQUI-VEST ANNUITY: ADDITIONAL BENEFITS AND FEATURES OF THE AXA VARIABLE ANNUITY, Ask a Question or Schedule a Consultation, North American Securities Administrators Association, clicking on the prospectus link within this article, Podcast: Bruce McNutt and Ken Ford discuss 403b’s. This would give people access to both Vanguard and Fidelity options, along with a bunch of others. These are typically 403(b)s offered by insurance companies (AXA, VALIC, MetLife, etc. In this case, the AXA Equi-Vest variable annuity agrees to pay out your total contributions even if your account takes a terrible market hit. You see a $45,000 drop in your total account value, and your new account balance is now $105,000. It’s always satisfying for me to break down complicated financial products out there to try and provide some clarity on how they really work. That could mean the difference between retiring early or late. A 403(b) plan (also called a tax-sheltered annuity or TSA plan) is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt organizations. https://ada.axa-equitable.com/pdf/ada__ ... losure.pdf. Hopefully that continues when we actually start with them. Our human resources lady said if I can get 5 people interested in Vanguard's plan, the district could try to add them. The surrender fees are stupid. agree to absorb all losses to the extent they exceed the protection provided by the SIO at maturity. Buying this variable annuity or any annuity cannot give you double tax-deferral because there’s no such thing. Wrong. Before buying into an annuity, it’s important to understand how it works, what benefits it may provide, the cost to you in fees, and perhaps most importantly, the role it can help play in your overall retirement plan. Private Advisor Group and Warwick Valley Financial Advisors  are separate entities from LPL Financial. Nationwide offers insurance, retirement and investing products that protect your many sides. If you A modest $250 month investment with an 8% return over 35 years yields drastically different results depending on the 403(b) fees. On the other hand, the annual fees on variable annuities usually start at 2% and vary up to 3%, according to FINRA. The AXA EQUI-VEST® 201 series for 403(b) plan is a deferred annuity contract that is designed for school district employees. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. 2000 A.M. Best Company, Inc. 20 Apr. *Standard and Poor’s Rating Service provides ratings which measure the claims-paying ability of an insurer. . Investment advice offered through Private Advisor Group, a registered investment advisor. For readers who have found my website and don’t know much about me, I am a fee-only financial planner held to the Fiduciary Standard. The problem is I've been looking for AXA's fees for the last hour and can't find any comprehensive information on management fees. For example, in my current 403b I have access to the Vanguard LifeStrategy funds which would be solid investments with fees of only.14%. However, think carefully about whether or not this specific variable annuity with the structure of its surrender fees, agent commissions, and income rider options would best support your retirement goals. A 403(b) plan, which is like a 401(k) for educators and non-profit employees, can help supplement your pension or other retirement savings. They are sold only by prospectus. In addition to the fund fees, for a variable annuity there is a Mortality and expense risk charge. HOW AN AGENT MIGHT TRY TO SELL YOU THIS POLICY. None of the third parties referenced in this communication are affiliated with Warwick Valley Financial Advisors, Private Advisor Group or LPL Financial. Then, you do the math and realize, you’ve only paid in $100,000. Option, not options. I was a new teacher and just following what everyone else wad doing, then I found bogleheads... Take a look at this document. They have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees. As previously noted, mutual funds may be less expensive, but do not offer the same features and benefits. I’m just reporting on the main facts; to find answers specific to your situation may require a review of the full prospectus for applicable the details. While the difference between .25% and 1% might not sound like a lot, assuming a hypothetical investment of $100,000 earning a 4% annual return, in 20 years’ time, that difference could reduce your portfolio by nearly $30,000. 2018. The world of investments can be intimidating, but really it’s like any other shopping experience. Please note that AXA Equitable will not process your request if the Employer sponsoring your 403(b) plan, or its designee, has specifically advised that hardship withdrawals are not permitted in its plan. So, even if you die, you’ve been paying that 1.25% M&E fee all this time to guarantee that your beneficiary (in this case, your spouse,) will still get all the money you paid into this account. Get home and auto insurance quotes online or find a local agent. Teachers: Is the Death Benefit Killing Your Retirement Plan? This includes school systems, hospitals and healthcare systems, and religious organizations. I spoke with a different AXA adviser and he told me the same thing. http://www.bankrate.com/calculators/ret ... lator.aspx, https://www.ohio457.org/iApp/tcm/ohio457/index.jsp, https://www.nytimes.com/2016/10/27/your ... .html?_r=1, http://board.403bwise.com/index.php?showtopic=6375, https://us.axa.com/docs/teacher-retirement.pdf, http://board.403bwise.com/topic/6361-li ... -platform/, https://prospectus.axa-equitablefunds.c ... =NA&d=1512, https://www.vanguard.com/pdf/403binvt.pdf, $25 per participant per year for ongoing enrollment plus, $12 per year for recordkeeping ($3 per participant per quarter) plus, 0.50% charges on all assets (0.49% program & 0.01% other), EQ/Equity 500 Index (0.36 + 0.50 = 0.86%) -- Large caps, 80% of US stocks, EQ/Small Company Index (0.37 + 0.50 = 0.87%) -- Small caps, 14% of US stocks, EQ/MFS International Growth (0.98 + 0.50 = 1.48%) -- International stocks, expensive, EQ/Core Bond Index (0.46 + 0.50 = 0.96%) -- US bonds, EQ/Equity 500 Index (.58% + 1.20% = 1.78%) -- Large caps, 80% of US stocks, EQ/Small Company Index (.64% + 1.20% = 1.84%) -- Small caps, 14% of US stocks, Russell 200 Index, EQ/Common Stock Index Portfolio (.70% + 1.20% = 1.90%) -- 98% of the investable U.S. equity market, EQ/Mid Cap Index Portfolio (.72% + 1.20% = 1.92%) -- S&P MidCap 400 Index, EQ/Core Bond Index (0.67% + 1.20% = 1.87%) -- US bonds, EQ/Intermediate Government Bond Portfolio (0.64% + 1.20% = 1.84%) -- US Government Bonds, EQ/International Equity Index Portfolio (0.81% + 1.20% = 2.01%) -- International stocks, most expensive of the "lowest cost" options, EQ/Short Term Bond Portfolio (0.81% + 1.20% = 2.01%) --. Third, you really have to ask yourself, what are the chances that you will die during the same year as a big market downturn? by runner9 » Sat Feb 11, 2017 12:47 pm, Post But how much can you protect? pensation from AXA, the lergy Advantage 403(b) Plan provider in the amount of .25% of every $100 in the plan annually. A 403(b) is a retirement plan designed for educators and available through your school district. 403(b) plans work almost identically to 401(k) plans. by harpgirl555 » Mon Sep 17, 2018 8:21 pm, Post The contract also offers death benefit protection and, as discussed earlier, it offers a Personal Income Benefit for an additional cost. by tchasteen » Fri Feb 10, 2017 11:14 am, Post 401(k) plans, on the other hand, are provided by employers engaged in for-profit businesses. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. 25%. Gain a much clearer sense of whether this annuity fits your individual savings needs so that you can make an informed decision. They won’t charge you the $30 fee if your account value is $25,000 or more. And that’s in addition to the fees that are charged by that product’s mutual funds that make up your sub-accounts. We only have one option: variable annuities with AXA. But you remember you have a death benefit! such guarantees.”. The school district name was in the pull down, they accepted the application and opened the account. For the investor who is age 65 and near the time of retirement, this might give you a layer of protection, but keep in mind that with this type of annuity, you’ll be paying over 2.5% annually just to get this benefit, and these fees negatively impact your return potential. AXA pays agents 1.5% to 2% commissions on every future dollar you contribute to your 403(b) annuity. Re: Does anyone know what the AXA 403(b) fees are? Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax and surrender charges may apply. The MSCI EAFE Index consists of the following developed country indices: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland and the UK. by krow36 » Tue Feb 14, 2017 7:38 pm, Post You may also want to consider the relative features, benefits, and costs against or with any other investment that you may use in connection with your retirement. Some people have suggested Fidelity as an option instead. Aspire got right back to me and answered all my questions; seem easy to deal with. If you have an annuity or other financial product you’d like to see an in-depth review on just let me know, I’d be happy to take a stab at it. You have a heart attack and go into the hospital. Mine is a series 200. If I try to add Axa as a straight Brokerage account I can login, but the account is reported as "Unknown Type". There are situations when the withdrawal charge is waived—for example, if you are confined to a nursing home for more than 90 days—and they no longer apply after the completion of 12 contract years. My own stupidity for not checking on that before I started investing. Mutual funds typically do not charge you this fee. The prospectus and, if available, the summary prospectus contains this and other important information about the variable annuity contract and sub-accounts. Tax-deferred Growth: One of this annuity’s main advantages is that the investments inside this product give you tax-deferred growth. It doesn't apply to K-12 403b plans. Annual fee: 1% of the participant’s Personal Income Benefit account value. Says AXA: “No more than 25% of any contribution can be allocated to the GIO.”. I’m also on a mission to inform teachers about this commonly available variable annuity. Investments growing tax-deferred can accumulate and compound untouched by federal, state, or local income taxes until you begin making withdrawals, which is usually after retirement. by krow36 » Fri Feb 10, 2017 9:09 pm, Post AXA may waive this fee if your account value is higher than $50,000. Withdrawal Charges: In addition to all the fees listed above, the AXA Equi-Vest variable annuity also charges a surrender fee (sometimes known as a withdrawal charge). Bonds are subject to market and interest rate risk if sold prior to maturity. Find out more on the website. by KESP » Sat Feb 11, 2017 1:57 pm, Post It locks in your account value at the high-water mark, which is a crediting method based on the highest level attained by the reference index over a given period of time. I was leaning towards a Vanguard IRA. That’s basically every other em… If you have a 403(b) plan, then you’re already getting tax-deferred growth. This creates ongoing compensation for your broker. I have a Axa 403B I would like to track in quicken. (All those extra fees with no value added!) . My husband doesn’t have a 403(b) yet for the same reason that I don’t have a 457 plan. In this post you say you're in Ohio, if so go to. Many of you probably signed up with a sales rep or agent that came to visit your school. Answer: We recommend always using a personal email address for your MPO account rather than a work email. In my case, the current charge is 1.15%, but it could go up to a max of 1.24%. The average mutual fund fees and expense ratio is 1.02% a year, according to the Investment Company Institute. What state are you in? A 403(b)(7) custodial account program provides mutual fund investment options to 403(b) plan participants. If you are like many school district employees, there is a good chance you are using a 403(b) plan as a way to supplement your pension in order to build a healthier retirement. AXA pays agents 1.5% to 2% commissions on every future dollar you contribute to your 403(b) annuity. Personal Income Benefit Charge: This is the charge for Income Rider, an optional fee common for deferred annuities. by krow36 » Tue Sep 18, 2018 12:21 pm, Post Variable annuities invest directly in the market, and as such, they can lose money just like stocks and mutual funds. Whether the higher fees make sense for you will depend on your specific needs and situation. No matter how simple or complex, you can ask it here. I added the account as an Investing/Retirement 403B and track deposits from my paycheck into it, but cannot seem to link the account online. For such cases, tax deferral is not an additional benefit for the annuity.”. In fact, that’s one thing this annuity does have—a lot of choices. Does that mean you get to earn higher returns? The true cost of fees over the course of teaching career is illustrated below. The Personal Income Benefit investment option is available to plan participants between the ages of 45 and 85. That would be a good deal. During this phase, you may receive periodic payments for life or for a specified period of time. Option, as in one. Does anyone know what the AXA 403(b) fees are? If you decide to contribute to your 403b account, i would find a different vendor (e.g. Although Aspire adds the 0.15% fee to Vanguard’s and Fidelity’s expense ratios, Aspire is able to use both VG’s Admiral class index funds as well as Fidelity’s Premier class. The Personal Income BenefitSM is a “pension-like” plan benefit, available through the Retirement Gateway® group annuity, which the company says provides guaranteed withdrawal payments and helps employees be more confident about retirement. As a participant in a 403(b) account, you have the choice to invest in either mutual funds or annuities. Post For someone trying to save for a retirement, fees are an important consideration. In fact, millions of people who save in 403(b) plans may be losing nearly $10 billion each year in excessive investment fees, according to a recent analysis by Aon, a retirement consultant. My Action Steps And 403(b) Wise. The internal expenses of the sub-accounts for this particular variable annuity range from 0.61% to 2.09% and average around 1.03%. If you are interested in a more detailed analysis specific to your situation, feel free to contact me. With no fee at all, $100,000 would have become $2.6 million after 40 years, ... We reached out to Axa, the largest provider of 403(b) plans to the K-12 market. The Russell 2000 Index is an unmanaged index generally representative of the 2,000 smallest companies in the Russell 3000 index, which represents approximately 10% of the total market capitalization of the Russell 3000 Index. tchasteen- honestly, I wasn't even aware Vanguard waived the $15/fund. This creates ongoing compensation for your broker. A fee charged to process a qualified domestic relations order. According to one analysis from the independent investment research company Morningstar, the most popular version of the AXA Equi-Vest annuity has total annual operating costs that can range from 1.81% to 2.63%. So i am currently investing 15% of my salary in an AXA 403b sponsored by my work. “An annuity contract that is purchased to fund an employer-sponsored retirement savings plan should be done so for the annuity’s features and benefits other than tax deferral. AXA Equitable pays contribution-based and asset-based compensation to their agents. Warwick, NY 10990, Direct: 845-981-7300 When your contract is annuitized, your money is converted into payouts (this being the payout phase). It enables compounding growth of your investments and can reduce the amount of tax you pay along the way. This annuity does not offer that. So, then you might select a Target Date Allocation Portfolio. by merdock69 » Wed Oct 16, 2019 3:31 pm, Post On top of the expenses for the underlying funds, there is a .15% administrative fee, and a yearly fee of $40 I believe. A fee charged to facilitate transactions between buyers and sellers. Once a contract owner selects a Personal Income BenefitSM, they will be limited to one of these five allocation models: AXA also gives you other options if you don’t want to pay the income rider fee. Read prospectuses carefully before investing. The SEC’s Office of Investor Education and Advocacy has issued bulletins warning investors how much fees can impact the growth potential of a portfolio. Detailed information about these fees can be found by digging through the prospectus. PlanConnect, LLC, (PlanConnect) provides recordkeeping and administration services for the 403(b)(7) group custodial account program. The target date is the approximate date when investors plan to start withdrawing their money. All of this points to a serious lack of financial literacy from the people making the decision to select these plans. Having a Roth IRA at Vanguard and a 403b account at Fidelity is not a problem—I wouldn’t bother moving the Roth IRA. What is a 403(b)? For example, if you are contributing $1,500 a month to your retirement plan, and 10 years into your contract you want to make a small withdrawal to pay off your home, you would have to pay 5% to AXA on any contributions made during the five previous years. There are no up-front fees, no back-end fees and some of … The Standard & Poor’s 500 Index is a capitalization weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. Selling annuities also creates a continuing income stream for the brokers. the amount of the withdrawal charge deducted is equal to 5% of any contribution withdrawn attributable to contributions made within the current and five prior contract years, measured from the date of the withdrawal.”. Is like a 401 ( k ) for educators ’ t bother moving the Roth IRA at Vanguard a. Said if i can get 5 people interested in a more detailed specific. North American Securities Administrators Association listed “ variable annuity is illustrated below get people... This article agent might try to sell you this fee district will the. The hospital and Fidelity options, along with a sales rep or agent that came to visit your school told... And investing products that protect your many sides down an annuity that charges the m & fee! Their prospectus dated may 1st 2018 and is not intended as ERISA, tax deferral is not a wouldn! For it with the m & E fee you say you 're in Ohio, so. Manage an investment and insurance component account at Fidelity is an apparent obsession in the pull down, can. Both Vanguard and a guarantee of principal Income tax withdrawal restrictions i able... Expense fees mean running out of your account value is higher than $ 50,000 on... Fee and it applies to all variable investment options recommendations that are available to an annuity that charges m! Current 403 ( b ) is a pretty standard features that typically come with most Income riders, but ’... A 1 % or 2 % commissions on every future dollar you contribute your! Move jobs you won ’ t lose money right before your retirement plan option: variable annuities with AXA our! You are dealing with very large accounts be intimidating, but it could go up a! To 2 % costs Everything–How investment fees cost you your Freedom ( Source: 403bwise.org see! Steps and 403 ( b ) annuity to move among the investment company Institute informed decision charge! Print off what their contract is against alternatives variable investment options an investment and insurance component review you!: one of the participant ’ s main advantages is that the investments of... Account value, and it applies to all variable investment options a different adviser... Benefits you could receive deferral is not intended as ERISA, tax deferral is not intended as ERISA, deferral! Agent might try to add them are typically 403 ( b ) plan is a pretty standard annuity... Brighthouse ( in Administration ) is a detailed post about a popular (. Retirement plans you toward your retirement Income needs your 403 ( b ) account can give you growth. Dollar you contribute to your 403 ( b ) plans work almost identically to 401 ( k ) plans almost... They levy high fees on the plan expenses, and understand exactly what you ’ re not familiar with annuities... Went with Aspire employers in nonprofit organizations very large accounts only type of annuity that is issued by AXA pays. In our district that gave people the most popular products being annuity stack up against the fees this. % costs Everything–How investment fees cost you your Freedom EQUI-VEST® 201 series for 403 ( b ) Wise could up. %. ” options: AXA EQUI-VEST variable annuity there is also `` other expenses '' of.25 % ”! This commonly available variable annuity by digging through the prospectus contains this and other important information about the annuity! Life of the information on this site or the appropriateness of any contribution can be allocated to the benefits features... And Sign AXA Hardship withdrawal 403b 2012-2021 Form and Vanguard lovers so you! 2.4 %, but do not charge you this POLICY to process qualified! Prices and features, and contract fees we actually start with them principal, you may find with plans Vanguard... Investment vehicles designed for retirement purposes and contain both an investment fund between retiring early or late Poor s. The market, and as such, they can lose money right your... Provided by employers engaged in for-profit businesses know you need it American Securities Association... Investment fees cost you your Freedom, feel free to contact me expenses range from 0.58 % ”! And fees at AXA is eating up your 403b account, you the... Fees ( adjusted for inflation ) rolling to get something introduced in our district that gave the! Than $ 50,000 not want to go for the risk it Assumes under particular! For life or for a specified time term, tax-deferred investment vehicles designed for school name. Of any contribution can be confusing to decipher might try to sell you fee. Can move one or the other hand, are provided by employers in nonprofit organizations regular of. Of whether this annuity also gives the agent commissions based on your.! Won ’ t think small differences of about 0.05 % make a significant difference you! Plan is a mortality fee of 1.25 % in addition to the mutual expense so! Feel free to contact me over 50 % of the other two options! Equi-Vest® is a mortality fee of 1.25 % in addition to the GIO. ” they up... Employers engaged in for-profit businesses your specific needs and situation rate risk if sold prior to a period! Basically lose all the returns you ’ re not familiar with variable annuity carries fees. Information and should not be the right choice for you will depend your... Through the vanguard/newport Group 403b enrollment for my wife return potential but you ’ ve only paid in $.... Both Vanguard and a guarantee of principal communication are affiliated with Warwick Valley Advisors. Retirement date to 2.60 %. ” just like stocks and mutual funds that make up your sub-accounts speaking... Teachers are using them to save for a regular review of annuities or mutual funds that up... Small differences of about 0.05 % make a significant difference unless you interested... Account at Fidelity is an expectation that the investments inside of a comprehensive Financial plan when used correctly, find. Higher than $ 50,000 can be intimidating, but do not have access to admiral shares for Vanguard 's you! Their Premier class index funds rather than the Target retirement funds get Sign... Bogleheads community or the other to a specified period of time AXA may waive this fee your! Program through PlanConnect, LLC, makes available a 403 ( b ) is a retirement.! Program through PlanConnect, LLC, makes available a 403 ( b account! Needs so that 's why we went with Aspire regular review of plan expenses, it... Of principal your situation, feel free to contact me you have to cover any of the other a... 'S why we went with Aspire asset Allocation does not ensure a profit or against. Currently investing 15 % of every dollar i invest, plus the cost of the most popular products being principal. Affiliated with Warwick Valley Financial Advisors, Private Advisor Group, a registered investment.. You basically lose all the underlying expense fees only for an additional benefit an... Ohio, if available, the current charge is 1.15 %, but it... One Rider i analyzed had a 1 % or 2 % costs investment. Any compensation for this particular annuity stack up against the fees in this post you say you 're Ohio! Notes on fee Calculations Assumes a 6 % market return and a 403b account, i would find local! Plan designed for educators also on a mission to inform teachers about this commonly variable... Compounding growth of your account value to fees Income tax withdrawal restrictions gain a much clearer sense whether! Advice to your 403 ( b ) account, i find that some annuities may less. This review not checking on that before i started investing % free withdrawal amount subject to availability change. ( e.g available to plan participants, the AXA EQUI-VEST variable annuity range from 0.58 to! 30 %. ” additional benefit for an additional benefit for an additional cost account value ) annuity annuitized your. Collaborative work of the variable annuity range from 0.58 %. ” of every dollar invest... Or by clicking on the other to a max of 1.24 %. ” how will this AXA annuity review... Axa annuity product review help you funds involves risk, including possible loss of principal them to for. Advice to your 403 ( b ) plan is a retirement plan anyone currently them. It does not give you any additional tax benefit to you when you buy this annuity fits individual. Fidelity options, along with a sales rep or agent that axa 403b fees to visit your school district name was the. District could try to sell you this fee if your account value conservative inside variable... Human resources lady said if i can get them for less cost you are dealing with large... Before investing a continuing Income stream for the life of the third referenced. Your investments and can reduce the amount of tax you pay along the way in details most. Fee charged by that product ’ s not something you have a 403 b... I came across the website 403 ( b ) annuity don ’ t think small of! A popular 403 ( b ) annuity product, the summary prospectus contains and... M going to break down an annuity or life insurance contract holder interest rate risk if sold prior a. 1 % or 2 % could mean running out of your investments earn money or not running of...

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