The Future of
Defined Contribution

At AllianceBernstein (AB), we're working to define the future of defined contribution (DC). We're striving to keep clients ahead with visionary research and progressive innovation in investment solutions. Our ability to provide relevant solutions to our clients stems from decades of experience creating and delivering retirement plan strategies for institutions and individuals.

The Path to the Future

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Global Market Expertise

We help every client navigate evolving regulatory challenges and market opportunities with investments that cover the full asset-class spectrum.

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Visionary Research

We transform insights and expertise into progressive market solutions.

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Collaborative Partnerships

Located globally, our more than 70 DC experts collaborate across our firm and industry–even with competitors–to address our clients' unique needs and deliver lasting solutions for their portfolios.

Target-Date Solutions

We've developed a wide range of expertly designed target-date solutions for nearly every type of DC plan. Our packaged and customized strategies are designed with one goal in mind: helping participants achieve their retirement goals.

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Minimums may apply to custom strategies.

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 (prospectus or summary prospectus) or contact your AB representative. Please read the prospectus and/or summary prospectus carefully before investing.

Each fund, other than Retirement Allocation, is named for a “target-date”—the approximate year when you expect to retire and start withdrawing from your account. Funds furthest from their target dates emphasize growth potential by investing almost entirely in equities. As investors move closer to—and into—retirement, the funds automatically adjust to a more conservative asset mix. Investments in target-date funds are not guaranteed against loss of principal: at any time, your account value can be more or less than the original amount contributed—including at the time of the fund’s target date. Also, investing in target-date funds does not guarantee sufficient income in retirement.


The AB Collective Investment Trust Series Trust (the “Trust”) is a Collective Trust formed by the AB Trust Company, LLC as Trustee. The Trust is not a mutual fund and units of the Collective Trust are not deposits of AllianceBernstein Trust Company, LLC or AllianceBernstein Investments. The Units are securities which have not been registered under the Securities Act of 1933 and exempted from investment company registration under the Investment Act of 1940. Therefore, Participating Plans and their Participants will not be entitled to the protections under these Acts. AllianceBernstein L.P. is the Trust Advisor and provides investment management services. to AllianceBernstein Trust Company, LLC as the Trust’s Trustee; the Trust’s trustee also provides customized securities processing services. Effective April 2, 2007, AllianceBernstein Trust Company, LLC was appointed successor trustee to the Trusts.

Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. AllianceBernstein and the AllianceBernstein Trust Company LLC have appointed Morningstar Investment Management as a sub-adviser to the AB Multi-Manager Retirement Trusts of the AB Collective Investment Trust Series. Morningstar Investment Management is not acting in the capacity of adviser to individual investors. Morningstar Investment Management is not affiliated with AllianceBernstein, the AllianceBernstein Trust Company or its affiliates. The Morningstar name and logo are the property of Morningstar, Inc.

The [A/B] logo is a registered service mark of AllianceBernstein and AllianceBernstein ® is a registered service mark used by permission of the owner, AllianceBernstein L.P.

© AllianceBernstein L.P.

The AB CITs (W Series) (the Funds) are funds of the Wilmington Trust Collective Investment Trust that invest in funds of the AB Collective Investment Trust Series Trust. Wilmington Trust, N.A. serves as the Trustee of the Wilmington Trust Collective Investment Trust and maintains ultimate fiduciary authority over the management of, and investments made in, the Funds. The Fund and units therein are exempt from registration under the Securities Act of 1933, as amended, and the Investment Company Act of 1940, as amended. Investments in the Funds are not deposits or obligations of or guaranteed by Wilmington Trust, and are not insured by the FDIC, the Federal Reserve, or any other governmental agency. Each Fund is a commingled investment vehicle, and as such, the values of the underlying investments will rise and fall according to market activity; it is possible to lose money by investing in the Funds. Participation in the Funds is limited primarily to qualified retirement plans and certain state or local government plans and is not available to IRAs and health and welfare plans. Collective Investment Trust Funds may be suitable investments for investors seeking to construct a well-diversified retirement savings program. Investors should consider the investment objectives, risks, charges and expenses of any pooled investment company carefully before investing. The Additional Fund Information and Principal Risk Definitions (PRD) contains this and other information about a Collective Investment Trust Fund and is available at or by contacting Wilmington Trust, N.A. at (866) 427-6885.