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Domestic large-cap equity
Consists of the largest U.S. companies, or those with market capitalizations of $10 billion or more.
Domestic mid-cap equity
Consists of companies with total market capitalization in the range of about $2 billion to $10 billion.
Domestic small-cap equity
Consists of companies with total market capitalization in the range between $250 million and $2 billion.
Global equity
Consists of companies from all around the world as well as the U.S.
International equity
Consists of companies, which are headquartered outside the U.S.
Specialty
Mutual funds and ETFs (exchange-traded funds) that concentrate on a specific industry or market.
Hybrid
An investment fund that is characterized by diversification among two or more asset classes.
Fixed
Includes investments such as government and corporate bonds, CDs and market funds3.
1 These funds are not available in non-qualified plans and Portfolio Director Freedom Advisor.
2 The principal value of the T. Rowe Price Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility over shorter time horizons.
3 You could lose money by investing in the Money Market Fund (Fund). Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Investment Options
Annuities are long-term products designed for retirement. Investment values of variable options will fluctuate so that the investor’s units, when redeemed, may be worth more or less than their original cost. Bear in mind that investing involves risk, including possible loss of principal. Retirement plans and accounts that satisfy relevant qualification rules, such as 403(b)s, IRAs, 401(k)s, etc., can be tax deferred regardless of whether or not they are funded with an annuity. If you are considering funding a tax-qualified retirement plan or account with an annuity, you should know that an annuity does not provide any additional tax-deferred treatment of earnings beyond the tax deferral of the tax-qualified retirement plan or account itself. However, annuities do provide other features and benefits.
Withdrawals of taxable amounts are subject to ordinary income tax. A 10% federal early withdrawal tax penalty could apply to withdrawals prior to age 59½.
- Generally, higher potential returns involve greater risk and short-term volatility. For example, small-cap, midcap, sector and emerging funds can experience significant price fluctuation due to business risks and adverse political developments.
- International and global funds can experience price fluctuation due to changing market conditions, currency values, and economic and political climates.
- High-yield bond funds, which invest in bonds that have lower ratings, typically experience price fluctuation and a greater risk of loss of principal and income than when investing directly in U.S. government securities such as U.S. Treasury bonds and bills, which are guaranteed by the government for repayment of principal and interest if held to maturity. Fund shares are not insured and are not backed by the U.S. government, and their value and yield will vary with market conditions.
- Interest rates and bond prices typically move inversely to each other; therefore, as with any bond fund, the value of an investment in this fund may go up if interest rates fall, and vice versa.
- Mortgage-related funds’ underlying mortgages are more likely to be prepaid during periods of declining interest rates, which could hurt the fund’s share price or yield and may be prepaid more slowly during periods of rapidly rising interest rates, which might lengthen the fund’s expected maturity. Investors should carefully assess the risks associated with an investment in the fund.
Investors should carefully consider the investment objectives, risks, fees, charges and expenses before investing. This and other important information is contained in the Separate Account and underlying fund prospectuses, which can be obtained from your financial professional, at www.corebridgefinancial.com/retirementservices or calling 1.800.428.2542 and following the prompts. Read the prospectuses carefully before investing. Policy Form series V-806-NQ and V-806-IRA.