MyPlanIQ Retirement Investors Variable Annuities & Variable Universal Life
Annuity, VULs & 529 Plans
Variable Annuities & Variable Universal Life 529 College Savings Plans

Variable Annuity & Variable Life Insurance Plans

A variable annuity offers a range of investment options. The value of your investment as a variable annuity owner will vary depending on the performance of the investment options you choose. The investment options for a variable annuity are typically mutual funds that invest in stocks, bonds, money market instruments, or some combination of the three.

Similarly, Variable Life insurance products such as Variable Universal Life (VULs) offer a range of investment options. Investors manage their accounts by investing in these available funds.

A variable annuity or variable life (VUL) plan usually consists of a dozen investment funds or portfolios. The available investment funds of a plan are obtained based on public filing information and thousands of users' input. If you can not find your plans or you think they need to be updated/corrected, please email us your plans investment options (a list of investment funds. They could be mutual funds (thus preferably their symbols), trusts and Separately Managed Accounts (SMAs)). You can find this information from your plan prospectus or through your online accounts. Other important information includes the redemption period for each fund. By default, we assume that funds (other than money market funds and ETFs) have a minimum three month (90 days) holding period to avoid redemption charge.

Did not Find a Plan? Email your plan's investment options .

Asset Allocation Model Portfolios

Each plan has Strategic Asset Allocation (SAA) moderate and Tactical Asset Allocation (TAA) moderate model portfolios. The portfolios' holdings are decided by their strategy's allocation and fund selection from the candidate funds.

Strategic Asset Allocation (SAA) : (Free)

based on main stream Modern Portfolio Theory that emphasizes diversification and portfolio re-balancing.

Good for: Armchair or beginning investors, prefer mainstream and passive role.

Tactical Asset Allocation (TAA) : (Premium: basic subscription )

based on major diversified asset trends to dynamically adjust risk assets (such as stocks) and fixed income (bonds) allocations.

Good for: Active or experienced investors, risk averse to avoid loss.

Fund minimum holding periods and round trip policy (if there is any) are observed in model portfolios.

Not clear on how the strategies work? See More Details>>

What to do for your investments in an annuity or VUL plan?

Search for your plan from MyPlanIQ's comprehensive database with thousands of variable annuities or variable life insurance plans.

Browse a plan page for :

Plan Rating: see PlanRatingIQ Investment Choices Rankingnew

Fund Ranking: compare funds ranking in each category (asset class) in the plan

Model Portfolios: browse and compare SAA and TAA model portfolios historical performance and holdings

Follow/customize SAA or TAA model portfolios tailored to your own personal risk tolerance

Manage your own annuity or VUL account :

your followed or customized portfolios are updated daily.

You will receive regular monthly or quarterly re-balance emails for these portfolios.

You then use the re-balance/holdings information to make transactions in your annuity or VUL account.

Not sure how to start? follow Step by Step Guide>>

Variable Annuity or Variable Life Plans

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Members enjoy Free features

  • Customize and follow a diversified strategic allocation portfolio for your 401k, IRA and brokerage investments within minutes
  • Receive monthly or quarterly re-balance emails
  • Enter funds and percentages in your portfolio, see its historical performance and receive ongoing rebalance emails
  • Real time fund ranking and selection for your plans
  • Quality retirement investing newsletter emails
  • Fund ranking and selection for your plans

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