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Invest and Manage with Options

When you invest in America’s marketFLEX II® Variable Annuity, you have several options to help you choose and manage the underlying investments.

Variable annuities are long-term, tax-deferred investments to help save for retirement. They involve risk and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% early withdrawal federal tax penalty if withdrawn before age 59½.

Build Your Own Model Through Individual Investments

You can individually select and invest in a broad lineup of alternative* and traditional underlying investment options. America’s marketFLEX II offers over 130 subaccount options from over 20 fund families. Nearly 55 actively tradable subaccounts can be purchased or sold without restrictions and 76 limited transfer subaccounts can be traded up to 20 times per calendar year. Short-term trading fees may apply.

*Alternative asset classes and strategies fall outside of the three traditional asset classes (traditional stocks, bonds or cash). They can include special risk that may include less regulation, increased losses and unique tax implications.

The underlying subaccounts discussed here are only available as investment options in America’s marketFLEX II Annuity contracts. They are not offered or made available directly to the general public. These portfolios contain different investments than similarly named mutual funds offered by the money manager. Investment results may produce higher or lower returns.

Choose a Packaged Option

There are 30 actively managed asset allocation subaccounts to chose from, Nationwide Flexible Strategy FundsSM and the Nationwide Guided Portfolio Strategies (GPS) models.

Nationwide Flexible Strategy FundsSM incorporate nontraditional asset classes into portfolios actively managed by some of the top asset managers. These subaccounts may provide new ways to diversify your portfolio, manage risk and pursue your investment objective through: simple packaged options, diversified strategies, and dynamic asset allocation. These simple packaged options allow you to stay focused on your objective with a total portfolio solution or a completion strategy that complements your existing portfolio.  Diversified strategies help you manage volatility with nontraditional and alternative asset classes as an important part of the subaccounts, either as a portion of a subaccount's portfolio or as its majority focus. Finally dynamic asset allocation offers you access to experienced fund managers with the flexibility to dynamically adjust the portfolios based on economic and market conditions.

Nationwide Guided Portfolio Strategies (GPS) models offer a simpler way to build a portfolio and easier access to asset managers. These 10 static models combine alternative asset classes and strategies with traditional asset allocation. There is no additional cost to invest in the GPS models.

The GPS models are anchored around the NVIT Cardinal Funds to provide access to diverse active managers and subadvisors as well as comprehensive coverage of traditional asset classes. With this foundation, GPS offers solutions for three risk classifications (conservative, moderate, and aggressive). Each model is differentiated within its risk classification by varying the levels of exposure to alternative asset classes and strategies.

The GPS models are static, which means the percentage allocations are set at the initial investment. You have the ability to re-balance quarterly, semi-annually, or annually. This allows you to help keep percentages in-line with your initial selection, and ensure that your portfolio allocations continue to reflect your risk tolerance and retirement needs.


As of May 1, 2014

Work With a Third Party Investment Advisor

Your third option is to hire a Third Party Investment Advisor (TPIA) who can build and manage the investments within the variable annuity. The TPIA may manage and review the portfolio holdings, make buy-and-sell decisions and reallocate the investments in the contract as dictated by the chosen strategy.

TPIA services may come at an additional cost and if the fees are deducted from the contract, this may impact your contract and death benefit values. Please keep in mind that the use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market.

Call your wholesaler or the Nationwide Sales Desk at 1-800-321-6064 for more information.