The ADA Members Retirement Program offers a diversified selection of investment options across the asset class spectrum including a guaranteed option in which participants can choose to invest their retirement plan assets. For participant information related to all of the investments offered in the Program please select the Participant Fee Disclosure link in the Investment/Fee Documents box below. In this same box you will find the plan fee disclosure document as well as important documents that will assist participants in understanding the investment options available to them and how to develop an investment strategy for their retirement plan accounts.
It may surprise you to learn that asset allocation is considered one of the most important tools for successful investing. By diversifying among different types of investment options, you may be able to reach your long-term goals while managing your exposure to market risk. Asset allocation simply means diversifying a portfolio among different asset classes, such as stocks, bonds and cash equivalents, in an effort to manage risk.
The ADA Members Retirement Program, which is funded by a group variable annuity, provides an easy, convenient way to create a diversified portfolio best suited to your investment goals, time horizon and attitude toward risk.
Three Investment Strategies to choose from
We offer you three investment strategies from which to choose. Each method provides for the necessary diversification to help reduce risk while meeting your long-term investment objectives. The three investment strategies are Asset Allocation - Age Based, Asset Allocation - Risk Based, and Choose Your Own Investment Mix.
| Investment Option | Fund Fact Sheet | Summary Prospectus | Program Prospectus | Investment Performance | Portfolio Expenses | Glossary |
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| Option 1 - Asset Allocation Age-Based | ||||||
| 1290 Retirement 2020 |  |
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| 1290 Retirement 2025 | |
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| 1290 Retirement 2030 | |
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| 1290 Retirement 2035 | |
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| 1290 Retirement 2040 | |
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| 1290 Retirement 2045 | |
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| 1290 Retirement 2050 | |
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| 1290 Retirement 2055 | |
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| 1290 Retirement 2060 | |
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| Option 2 - Asset Allocation Risk-Based | ||||||
| 1290 VT DoubleLine Dynamic Allocation | |
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| All Asset Growth - Alt 20 | |
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| EQ/Aggressive Allocation | |
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| EQ/Conservative Allocation | |
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| EQ/Conservative-Plus Allocation | |
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| EQ/Moderate Allocation | |
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| EQ/Moderate-Plus Allocation | |
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| Option 3 - Choose Your Own Investment Mix | ||||||
| Cash Equivalents | ||||||
| Guaranteed Interest Option | |
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Current Rate: 2.25% |
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| Bonds | ||||||
| Charter Multi-Sector Bond | |
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| EQ/Core Bond Index | |
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| EQ/PIMCO Global Real Return | |
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| Multimanager Core Bond | |
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| Vanguard VIF Total Bond Market Index | |
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| Sector/Specialty | ||||||
| 1290 VT GAMCO Mergers & Acqiusitions | |
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| Multimanager Technology | |
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| Large Cap Growth | ||||||
| EQ/ClearBridge Large Cap Growth | |
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| EQ/Large Cap Growth Index | |
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| EQ/Large Cap Growth Managed Volatility | |
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| EQ/T. Rowe Price Growth Stock | |
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| Large Cap Blend | ||||||
| EQ/Equity 500 Index | |
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| Vanguard VIF Total Stock Market Index | |
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| Large Cap Value | ||||||
| 1290 VT Equity Income | |
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| EQ/Invesco Comstock | |
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| EQ/JPMorgan Value Opportunities | |
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| EQ/Large Cap Value Managed Volatility | |
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| Mid Cap Growth | ||||||
| EQ/Janus Enterprise | |
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| Mid Cap Blend | ||||||
| EQ/Mid Cap Index | |
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| Mid Cap Value | ||||||
| EQ/Mid Cap Value Managed Volatility | |
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| Small Cap Growth | ||||||
| EQ/AB Small Cap Growth | |
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| Small Cap Blend | ||||||
| EQ/Small Company Index | |
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| Small Cap Value | ||||||
| 1290 VT GAMCO Small Company Value | |
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| International/Global | ||||||
| EQ/Global Equity Managed Volatility | |
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| EQ/International Core Managed Volatility | |
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| EQ/MFS International Growth | |
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| EQ/Templeton Global Equity Managed Volatility | |
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Investment Portfolios are subject to market risk, including loss of principal. For the Target Date and Asset Allocation Portfolios you will incur higher costs with these portfolios than if you were to invest directly in the underlying portfolios. However, not all of the underlying portfolios may be available as an investment option in the group annuity contract. An investor investing directly in the underlying portfolios would not receive the asset allocation and rebalancing services provided by Equitable. The Target Date Allocation Portfolios are not guaranteed at any time including the target date. Your account value may be less than your original account value at the target date.
For complete information including risks, charges and expenses. Click here to view the ADA Members Retirement Program Prospectus. Read it carefully before you invest or send money.
For more information on how to develop your investment strategy, please consult with one of our Retirement Program Specialists.
