A Complete Investment Strategy in a Single OptionRetirement Strategies are a series of portfolios managed to a specific target year of planned retirement. As time passes and the targeted retirement date nears, the portfolios adjust to become more conservative. Once a portfolio reaches its target date, it will be actively managed for 15 more years after retirement, becoming gradually more conservative and placing even greater emphasis on income and risk reduction.
There are twelve Retirement Strategies portfolios. Nine portfolios are designed for saving for retirement in the future, and three portfolios for those who are in or near retirement. Each Strategy is a complete, diversified investment program and with a date in its name that corresponds to when you expect to retire.
The Portfolios
Retirement Strategies with dates furthest in the future have the most aggressive investment approach. They start out focused on long-term growth, invested almost entirely in stocks. As the retirement date gets closer, and continuing for 15 years beyond that date, AllianceBernstein investment professionals gradually adjust the Strategy to a more conservative investment mix. That means fewer stocks and more bonds and short term investments. So by the time you move into retirement, your Strategy will be more focused on protecting principal and generating income.
Let Your Retirement Strategy Work For You
Once you and your financial advisor choose an AllianceBernstein Retirement Strategy, it changes over time. You and your advisor don’t have to constantly monitor your account and make changes to your investment mix as you get closer to retirement because each Strategy gradually shifts to a more conservative approach – automatically. This helps you maintain a balance between risk and reward. All you have to do is let it work for you.
Retirement Strategies may be particularly appealing to investors with IRA rollovers as they provide diversified investment solutions that automatically rebalance and provide a mix of investments that transition over time. Learn more about Retirement Strategies now.
Past performance does not guarantee future results. You should consider the investment objectives, risks, charges, and expenses of the AllianceBernstein Retirement Strategies carefully before investing. For a free copy of the Fund’s prospectus, which contains this and other information, visit the Literature & Forms section of the website. Please read the prospectus carefully before you invest.
While diversification and shifting to a more conservative investment mix over time helps to manage risk, it does not guarantee earnings growth. There is the 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 security selection and asset allocation.