Keep calm and find an appropriate investment strategy

In today’s uncertain world, with market ups and downs happening daily, you may be feeling uneasy about your investments and considering getting out of the market. But if you exit now, how will you know when to get back in to take full advantage of potential market gains?

Hear from our retirement and investment industry experts, Ted Beal and Bernie Heffernan, talk about strategies to address recent stock market volatility. All you need to do is click below to listen as they discuss the ways you can stay invested while protecting against all or some of your account losses, allowing you to grow your retirement account over the long term.

Learn more about Semester Strategies sm—a simplified 403(b) investment program available through the EQUI-VEST® variable annuity contract—designed specifically for educators.

A variable deferred annuity, such as EQUI-VEST®, is a long-term financial product that is designed for retirement purposes. In essence, it is a contractual agreement in which payments are made to an insurance company, which agrees to pay an income stream or lump-sum amount at a later date. There are contract limitations, fees and charges associated with variable deferred annuities, which include, but are not limited to, mortality and expense risk charges, withdrawal charges and administrative fees. For costs and complete details, see the prospectus or contact your financial professional. The variable investment options offered in this contract will fluctuate and are subject to market risk, including loss of principal.


If available under your employer's plan, you may generally enroll in the model portfolio and investment advisory services program (the “Program”, i.e., Semester Strategiessm) of SWBC Investment Advisory Services LLC (“SWBC”) to manage your account value. The Program will allocate your account value among the variable investment options, guaranteed interest option (GIO) and Segments in the SIO, based on your set time horizon, risk tolerance and investment return objectives derived by SWBC from information you provide to SWBC. SWBC Retirement Plan Services is an unaffiliated third-party and is a wholly-owned subsidiary of SWBC, which was established in 1976. Advisory services are offered by SWBC Investment Advisory Services, LLC, d/b/a SWBC Retirement Plan Services, a Registered Investment Advisor with the Securities and Exchange Commission. SWBC Retirement Plan Services focuses exclusively on serving the retirement plan market. AXA Equitable has entered into an agreement to make SWBC Retirement Plan Services' fiduciary services available to EQUI-VEST® clients through Semester Strategiessm.


As is the case with any investment or investment feature, it's important for current and prospective EQUI-VEST® variable annuity contract holders to understand all applicable restrictions and limitations associated with Semester Strategies. As some examples, the EQUI-VEST® variable annuity contract holder's Planned Retirement Age cannot be later than the maturity date under their contract, and those currently invested in the Personal Income Benefit (PIB) are not eligible to participate in Semester Strategiessm ("Program") at this time. Also, those with current investments in the Structured Investment Option (SIO) may not be eligible to participate in the Program if their current SIO allocations are higher than the Model Portfolio allocations to the SIO.

The EQUI-VEST variable annuity is offered by prospectus, which provides important information about the annuity’s restrictions. limitations, risks, charges, expenses, and investment objectives. Current EQUI-VEST contract holders, please consult your prospectus and prospectus for underlying portfolios containing this and other important information. Prospective clients, please contact AXA Equitable or an AXA Advisors financial professional for these prospectuses and read them carefully before you invest or send money EQUI-VEST® is a registered service mark of, and is issued by, AXA Equitable Life Insurance Company, NY, NY 10104. AXA Advisors Financial Professionals offer securities through AXA Advisors, LLC (NY, NY, 212-314-4600), member FINRA, SIPC, and offer annuity and insurance products through AXA Network, LLC (AXA Network Insurance Agency of California, LLC; AXA Network Insurance Agency of Utah, LLC; AXA Network of Puerto Rico, Inc.).

Variable Annuities: Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association • May Go Down in Value

Certain types of contracts, features and benefits may not be available in all states and jurisdictions or from all selling firms. Marketing material availability may also vary by firm. Please check with your firm for more details.

AXA Equitable Holdings, Inc. is a publicly traded corporation, and its subsidiaries are currently using trademarks including the "AXA" name, AXA logo and associated trademarks of AXA SA under license.

GE-3035569 (04/2020) (Exp. 06/2020)