Our retirement income strategies help you guide clients to the solutions that work best for their unique retirement needs. We offer two dynamic strategies: RetireSense® and IncomeInsight®.
IncomeInsight
Our IncomeInsight retirement strategy employs an enhanced total return approach to retirement income and is supported by Nationwide-sponsored research from Ibbotson Associates.
The strategy shows how a variable annuity with a guaranteed minimum withdrawal benefit (VA+GMWB) may reduce the potential for retirement income losses in a down market, while increasing income potential in an up market.
RetireSense
RetireSense, our most comprehensive, patent-pending investment and draw-down strategy, is a hybrid that combines the diversification of the investment pool (bucketing) approach with the income protection of the income floor approach.
Built on industry best practices, this strategy enables you to assist your clients in managing the risks associated with portfolio growth and protection, while they withdraw income throughout retirement.
Fiduciary Series
Use this group retirement plan tool to create a fund score that will help you compare funds within a peer group.
Fund scores are based on underlying measures, such as expense ratio, trailing performance and performance consistency. You can also see performance data, like warning signs and style discipline, used to evaluate investment options.
The Nationwide Financial Fiduciary SeriesSM is a service mark of Nationwide Life Insurance Company.
The Nationwide Financial Fiduciary Series is made possible by Nationwide Financial and is protected by copyright. The materials are designed for exclusive use with Nationwide products, programs and services.
The Nationwide Financial Fiduciary Series is general in nature and not intended to constitute legal or investment advice on any particular matter. Neither Nationwide nor any of its representatives provide tax, financial or legal advice. The Nationwide Financial Fiduciary Series is not for participant use.
Important information about annuities
An annuity is a long-term, tax-deferred investment designed for retirement that may fluctuate in value. It allows you to create a fixed or variable stream of income through a process called annuitization and may also provide a variable rate of return based on the performance of the underlying investments.
An annuity does have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet age 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. A death benefit is available with most variable annuities. If you do take an early withdrawal, the amount of money you withdraw will reduce your death benefit and the cash value of the annuity contract.
You should also know that an annuity contains guarantees and protections that are subject to the issuing insurance company's ability to pay for them. These guarantees don't apply to any variable accounts that are subject to investment risk, including possible loss of your principal.
An annuity is a contract between you and an insurance company and may be sold by prospectus. While it may take some time, you should read this document. It describes risk factors, fees and charges that may apply to you. Variable annuities have fees and charges that include mortality and expense, administrative fees, contract fees and the expense of the underlying investment options.
Optional riders and features are offered at an additional cost and may not be available on all Nationwide variable annuities or in all states. An annuity purchase should be based on the annuity contract, and not optional riders or features.
Living benefit riders are optional and may not be available on all Nationwide variable annuities or in all states. In some circumstances, the cost of an option may exceed the actual benefit paid under the option. A guaranteed minimum withdrawal benefit is an optional rider that is available on certain variable annuity contracts for an additional fee.
Ibbotson Associates, Inc. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. The Ibbotson name and logo are property of Ibbotson. The study described herein is the proprietary property of Ibbotson, and may not be reproduced, in whole or in part, in any manner, without the prior written consent of Ibbotson. Ibbotson and its affiliates are not related to Nationwide and its affiliates.
