ADVICE Guided Portfolio Services Are you confident about your investment decisions? Or do you find the process of investing for retirement outside of your comfort zone? saving : investing : planning
Get the advice you need Guided Portfolio Services (GPS) is a fee-based program that offers objective investment advice from independent financial expert, Ibbotson Associates, Inc. Whether you are saving for or already in retirement, the comprehensive investment advice includes: Wealth forecasting GPS forecasts how likely you are to reach your retirement goals, using information such as desired retirement age and income, current investments and other assets, and future income and expenses. The program also recommends a specific investment portfolio and savings rate that is personalized to your individual circumstances. Asset allocation Your wealth forecast drives asset allocation, which diversifies portfolios into a variety of asset categories. Studies indicate that the greatest influence on investment results is the way assets are allocated. Investment selection GPS recommends specific investments and exactly how much should be invested in each. We then make adjustments as needed, based on performance and market trends. Asset management With Portfolio Manager, VALIC will oversee your assets on an ongoing basis. After constructing your portfolio, GPS automatically reports on and maintains the account, including investment monitoring and portfolio rebalancing. Want to be more involved in managing and monitoring your account? Then manage your own assets based on the advice you generate using Portfolio Advisor. But remember that with Portfolio Advisor, the responsibility of account maintenance remains with you.
Your options Portfolio Advisor Portfolio Advisor offers expert advice, including asset allocation, fund selection, retirement income forecast, recommended savings rate and ongoing portfolio optimization. Portfolio Manager Portfolio Manager offers all of the advice and services of Portfolio Advisor, plus it automatically implements the investment advice, provides ongoing asset management and offers access to services via a financial advisor. Service Portfolio Manager Portfolio Advisor Forecast of annual retirement income based on your unique financial circumstances Recommended savings rate and retirement age Comprehensive portfolio construction, including asset allocation and investment selection Monitoring of investment option lineup Ongoing portfolio optimization Access to services via telephone and Internet Access to services via a financial advisor Automatic implementation of investment advice Ongoing portfolio monitoring and asset rebalancing Quarterly advice statement Automatic annual review and update of retirement income forecast and advice
Real strategies Find out how GPS can help you plan for a secure retirement CLICK VALIC.com CALL 1-877-246-4523 VISIT your VALIC financial advisor
VALIC has more than half a century of experience helping Americans plan for and enjoy a secure retirement. We provide real solutions for real lives by consistently offering products and services that are innovative, simple to understand and easy to use. We take a personal approach to retirement plans and programs, offering customized solutions for individual needs. We are committed to the same unchanging standard of one-on-one service we have delivered since our founding. Our goal is to help you live retirement on your terms. This information is general in nature and may be subject to change. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. Securities and investment advisory services offered through VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. Copyright The Variable Annuity Life Insurance Company. All rights reserved. VC 15715 (08/2015) J96645 EE VALIC.com