The Trust is not a mutual fund and its units are not deposits of AllianceBernstein Trust Company, LLC or AllianceBernstein Investments and are not insured by the Federal Deposit Insurance Corporation or any other agency. The Units are securities which have not been registered under the Securities Act of 1933 and are 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. Management of the Trust, however, is generally subject to the fiduciary duty and prohibited transaction rules under the Employee Retirement Income Securities Act of 1974 (“ERISA”). AllianceBernstein L.P. is the Trust’s Advisor and provides investment management services. AllianceBernstein Trust Company, LLC is the Trust’s Trustee and provides customized securities processing services.
Each fund 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 information contained herein reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this publication. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed herein may change at any time after the date of this publication. This document is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates.
Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. AllianceBernstein Trust Company LLC has 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 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.
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