Our open-architecture recordkeeping platform includes more than 16,000 investment options from 360 participating mutual fund companies, including our proprietary funds offered through Great-West Financial, our sister brand.
Capital preservation solutions
These solutions provide participants with fixed-income offerings to help them manage risk through consistent positive returns. As a pioneer in the fixed-income arena, we can offer your clients an approach that meets the needs of both their plan and their participants.
Target date funds1
Our target date investment solutions can help participants strike the right investment balance to and through retirement. Our open-architecture approach allows for diversification across not only asset classes but also investment firms. We offer a blend of active and passive investment management to further diversify the investment strategies of the underlying funds.2 To maximize flexibility, we also provide multiple glide path choices, allowing your clients to select target date funds that align with their demographic.
Generally, the asset a/location of each target date fund will gradually become more conservative as the fund nears the target retirement date. The date in a target date fund's name is the approximate date when investors plan to start withdrawing their money (which is assumed to be at age 65). The principal value of the fund(s) is not guaranteed at any time, including at the time of the target date and/or withdrawal. For more information, please refer to the fund prospectus and/or disclosure document.
Give your clients' participants access to a suite of ready-made investment options to help with risk-based diversification concerns. We enhance the convenience of our ready-made portfolios through:
- Professional management and monitoring to keep each fund aligned with its objectives
- True diversification across investment managers, styles and philosophies2
- A range of five different portfolio options — providing flexibility to meet participant needs
- A multimanager approach that leverages our proven manager selection process
Guaranteed income solutions3
We also offer guaranteed income solutions to help participants address their retirement income needs. We are ahead of the curve with the ability to provide an in-plan investment option with a guaranteed lifetime withdrawal benefit that:
- Provides guaranteed income for life
- Protects future income from market downturns
- Offers the potential to grow future income when the market performs well
1 Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. For more information, see the prospectus and/or disclosure documents.
2 Diversification does not ensure a profit and does not protect against loss in declining markets.
3 The guaranteed income benefit does not guarantee the investment performance of the applicable covered fund. Any guaranteed income benefit is subject to the claims-paying ability of Great-West Life & Annuity Insurance Company or, in New York, Great-West Life & Annuity Insurance Company of New York.
Not all product offerings and services are available in all states or to all plan sizes and types. Please contact your Empower Retirement representative to determine what is available for your situation.