Portfolio Director Ibbotson Solutions

Product Overview

At AIG Retirement, we understand your goals and your challenges. That's why we partnered with Ibbotson Associates, a leading authority on asset allocation, to provide a comprehensive program to help you get the job done right -- efficiently and effectively.

Portfolio Director Ibbotson Solutions offers quality and reliability that you can count on. Whether your retirement is around the corner or somewhere off in the distance, today may be the best chance you have to prepare for your future. By contributing to your 403(b) plan and choosing the investment options available in Portfolio Director Investment Solutions, you’re helping to pave the way to financial peace of mind.

Portfolio Director Ibbotson Solutions is not available as an IRA.

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Features and Benefits Back To Top

An independent investment expert that delivers sound financial direction.
A respected and proven methodology for investment selections.
A selection of funds to meet diversification requirements.
A regular monitoring routine that strives for consistency. Investment selections are continuously monitored with quarterly performance reports issued.

Guaranteed death benefit helps protect your legacy. In the event of your death prior to annuitization, your Portfolio Director contract provides for a death benefit. Whether you contribute to fixed or variable investment options, your contract guarantees that your beneficiary will never receive less than the amount contributed provided no withdrawals have been made from the account. Withdrawals will reduce the death benefit, depending on the account value at the time of withdrawal.
Also, in the event of your death, the benefit passes directly to your named beneficiary. This generally avoids the costs and delays of probate. Your beneficiary can leave all or a portion of the account balance on deposit, depending on the circumstances, subject to tax laws that might require distributions to occur within certain time frames. Usually, your beneficiary can make withdrawals at any time without incurring charges from The Variable Annuity Life Insurance Company. There also will be no charges from the company if the beneficiary chooses to withdraw the entire account balance.
All guarantees are backed by the claims-paying ability of The Variable Annuity Life Insurance Company, one of the companies that make up AIG Retirement. The Variable Annuity Life Insurance Company underwrites, issues and guarantees our annuity products and policies.

IncomeLOCK^SM Back To Top

· IncomeLOCK^SM living benefit option available in conjunction with Portfolio Director Ibbotson Solutions. This fee-based add-on benefit helps you maximize the growth potential of your investments and protect them from market downturns. Each year on the benefit anniversary during the benefit’s first 10 years (or first 20 years if the benefit is extended), IncomeLOCK locks in market gains.

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Guided Portfolio Services^SM Back To Top

· Guided Portfolio Services^SM available in conjunction with Portfolio Director Ibbotson Solutions. This fee-based program helps retirement plan participants achieve their financial goals for retirement by offering wealth forecasting, asset allocation, investment selection and asset management customized for each individual’s unique situation. Plan participants get advice from an objective third-party investment expert concerning how much to save, which investments to choose and how much to invest in each.

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Guidelines Back To Top

· Free Look Period allows you to take your time to make your decision. You may cancel an individual contract by returning it to the company within 20 days after delivery. (A longer period will be allowed if required under state law.) The amount of the refund will be equal to all purchase payments received or the amount required under state law, if larger.

· Systematic Withdrawal Program offers flexibility. You may choose to take automatic partial withdrawals at periodic intervals (monthly, quarterly, semiannually or annually). This election may not be changed but may be revoked. Payments made to the participant must be received for not less than five years, and the payment amount must be a stated yearly dollar or percentage amount, not to exceed 20% of the account value at the time election is made. A minimum withdrawal amount might be required.

Important Notice about Purchasing a VALIC Annuity From Us

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases certain annuity products. What this means for you: When you purchase certain annuity products from us, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

Annuities and insurance products are offered by The Variable Annuity Life Insurance Company (VALIC), AIG Annuity Insurance Company, AIG-affiliated insurance companies or other approved companies. Each underwriting company is financially responsible for its own insurance products.

Securities and investment advisory services are offered by AIG Retirement Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor.

AIG Retirement is the marketing name for the group of companies comprising AIG Retirement Advisors, Inc.; AIG Retirement Services Company; and The Variable Annuity Life Insurance Company (VALIC); each of which is a subsidiary of American International Group, Inc.

This information is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.