Determine Investment

Determining an Investment Approach

Mutual funds offer investment flexibility, which can help you with your investment approach. You can adjust your portfolio’s asset allocation to reflect your changing needs. This allows you to respond to market conditions, or reduce investment risk by redirecting your investment when needed; you can redirect your assets to more conservative investment styles as you move closer to retirement.

As part of a strategic financial plan, a mutual fund may help you reach your financial goals. The right asset mix will depend on your financial objectives and your risk tolerance. Generally, the potential for a higher return involves greater risk so you may want to consider how volatility may affect your investment and risk tolerance.

Since different people have different needs, your financial planning requires a personal approach. A financial advisor can help you:

• Determine your current financial condition and assess your risk tolerance

• Provide financial expertise

• Help develop a financial plan to reach your goals

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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.