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Help clients manage market volatility with confidence
Navigate market volatility and strengthen client retirement plans with innovative resources, disciplined investment strategies, and timely market commentary.
Strengthen client confidence during market swings and help them stay focused using our trusted tools and actionable insights
Rising uncertainty continues to weigh on investors, with fewer than one in six U.S. adults (16 percent) saying they are willing to take financial risks in 2024.1 Confidence can erode quickly when markets become unpredictable and volatility starts to impact overall financial well-being. With our tools, resources and insights, you can help clients navigate uncertainty, build confidence in their portfolio decisions and stay focused on long-term goals.
- Annuities
- Workplace Retirement Plans
Annuities
Industry-leading investment strategies and retirement plan insights to help your clients weather market volatility.
Retirement Cornerstone® provides an innovative way to protect and grow retirement income
The sequence of investment returns can be one of volatility’s biggest threats in a down market. Our Retirement Cornerstone® variable annuity offers clients a level of protection against market volatility and more ways to grow retirement income, including interest-based increases, market-based increases and by withdrawing less than their maximum annual amounts so the remainder can continue to compound.
Teach your clients about guaranteed retirement income
Structured Capital Strategies® Premier offers a flexible approach to managing market volatility.
Structured Capital Strategies® Premier is a registered index‑linked annuity designed to help investors pursue market growth while managing downside risk. It offers a broad range of buffered investment options, with protection of up to ‑40% on most Segments, along with the flexibility to lock in gains and reposition across Segments as market conditions change. Innovative options, such as the Best Entry Segment, help address concerns about market timing by allowing investors to begin from a more favorable index level. Together, these features support a disciplined, long‑term approach to retirement planning. through a variety of market environments.
Workplace retirement plans
An employer-sponsored retirement plan is an important benefit offered by most of your business clients. However, that’s just the first step.
Plan participants still need a way to effectively manage market volatility as they save during their working years. Semester Strategies®, available through EQUI-VEST® group variable annuity, offers model portfolios that help diversify retirement assets while offering partial downside protection when markets decline.
FAQs
Volatility creates windows for tax-loss harvesting (selling at a loss to offset gains) and Roth conversions (moving funds to a tax-free account while valuations are low). It also allows you to buy the dip in high-quality assets at a discount.
Volatility is a temporary market condition, not a permanent change to your goals. Most plans are built with these gyrations in mind; unless personal objectives or timeline have changed, the plan likely remains sound.
While traditional bonds face pressure from shifting interest rates, they still provide a necessary ballast and steady income stream that cash cannot. Diversification across global equities and alternative assets is now more essential to supplement the 60/40 model.
It depends on the sequence of returns. If they are nearing retirement, they may need to use levers like tightening cash outflows or adjusting withdrawal rates to 2%-3% temporarily to preserve principal.
We’re here to support you
For financial professionals only. If you are an individual investor, please contact your financial professional for more information.
1 2025 National Financial Capability Study, FINRA.
2 Source: https://equitable.com/about-us/financial-strength-ratings
Past market behavior and investment performance does not guarantee similar or comparable future outcomes or performance. Investing involves risk, including loss of principal.
Annuities are long-term financial products designed for retirement purposes. Variable investment options within variable annuities are subject to fluctuation in value and market risk, including the possibility of loss of principal. In addition, annuity policies have limitations and a charge for withdrawals in the policy’s early years. For costs and complete details, contact the Equitable Individual Retirement or the Group Retirement Sales Desks.
Life Insurance and annuities are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company. All group insurance products, excluding those issued by a third-party contracted vendor, are issued by either Equitable Financial or Equitable America, which have sole responsibility for their insurance and claims-paying obligations. Some products are not available in all states. The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.
References to Equitable represent both Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, which are affiliated companies. Overall, Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company, with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their own claims-paying abilities.
This website does not offer or constitute investment advice and makes no direct or indirect recommendation regarding the appropriateness of any particular product or investment related option.
© 2026 Equitable Holdings, Inc. All rights reserved.
GE-8860304.1 (04/2026) (Exp. 04/2030)