Many of the world's largest defined benefit and defined contribution plans, as well as smaller plans
around the world, invest with us. Among them are corporate, public and union funds.
US and UK defined contribution plans, large and small, invest with us. Among them are corporate,
public and union funds.
Financial advisors in North and South America, Europe, Asia and the Pacific Rim tap AllianceBernstein's
broad array of mutual funds and managed-account investment services as they provide investment advice
and other financial services to individual investors.
Registered Investment Advisors (RIAs) can access AllianceBernstein’s wide-ranging investment solutions, thought leadership and perspectives, and tools as they provide investment advice and other services to their clients.
Individuals in North and South America, Europe, Asia and the Pacific Rim tap a broad array of our
investment services, mostly through intermediaries, to fund their retirements, their children's educations
and other savings needs.
Individuals, families and their professional advisors rely on us to preserve and build wealth across generations
through customized financial planning, discretionary investing and comprehensive wealth management
services. Our private client offices are located throughout the US.
Investment managers and other professional investors around the world use Sanford C. Bernstein for its in-depth
research on companies, industry research and equity trade execution. In 2009, we also relaunched our equity
capital markets business to further serve investors and corporate clients.
When a fixed income investor sends out an SOS signal, it shouldn't fall on deaf ears. At AllianceBernstein, we're here to answer the call.
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We apply the research and resources of a recognized retirement leader to deliver better outcomes.
We manage a wide range of traditional and customized investment solutions designed to create better retirement outcomes.
A fund’s target date is the approximate year an investor expects to retire and start withdrawing from their account. Funds farthest from the target dates are nearly all-equity to emphasize growth potential; the asset mix grows more conservative as investors move toward — and into — retirement.
Investments in Retirement Strategies are not guaranteed against loss of principal — account values may be more or less than the amount invested — including at the target date. Investing in Retirement Strategies does not guarantee sufficient retirement income.
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.
A Word About Risk: The Strategy allocates its investments among multiple asset classes, which will include U.S. and foreign securities, as well as equity and fixed income securities. The risks associated with each of these classes are described in the prospectus. The Strategy may at times use certain types of investment derivatives, such as options, futures, forwards and swaps. These instruments involve risks different from, and in certain cases, greater than, the risks presented by more traditional investments. The Strategy invests in foreign securities, which may include emerging markets securities, whose risks may be magnified due to changes in foreign exchange rates and the possibility of substantial volatility due to political and economic uncertainties in foreign countries. Changes in interest rates will affect the value of the Strategy’s investments in Underlying Portfolios that invest in fixed-income securities. In addition, a bond’s credit rating reflects the issuer’s ability to make timely payments of interest or principal—the lower the rating, the higher the risk of default. If the issuer’s financial strength deteriorates, the issuer’s rating may be lowered and the bond’s value may decline. Funds that invest in small-cap and mid-cap stocks are often more volatile than large-cap stocks—smaller companies generally face higher risks due to their limited product lines, markets and financial resources. The Strategy systematically rebalances its allocations in these asset classes to maintain their target weighting. There can be no assurance that rebalancing will achieve its intended result, and the costs of rebalancing may be significant over time.
As of January 31, 2009, Class B shares are no longer available for purchase by new investors. For additional information, see the Fund’s current prospectus.
Investors should consider the investment objectives, risks, charges and expenses of the Fund/Portfolio carefully before investing. For copies of our prospectus or summary prospectus, which contain this and other information, click here or contact your AllianceBernstein Investments representative. Please read the prospectus and/or summary prospectus carefully before investing.
AllianceBernstein Investments, Inc. (ABI) is the distributor of the AllianceBernstein family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds.
AllianceBernstein mutual funds may be offered only to persons in the United States and by way of a prospectus. This website should not be considered a solicitation or offering of any investment products or services to investors residing outside of the United States.
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