ST. PAUL, Minn.--(BUSINESS WIRE)--By using a range of volatility management strategies that actively respond to market conditions, the new Managed Volatility Portfolios (MVPs), available with some MultiOption variable annuities, seek to provide more consistent returns over time while reducing volatility risk. Securian’s variable annuities are issued by Minnesota Life Insurance Company, a subsidiary of Securian Financial Group, Inc.
MVPs seek to provide more consistent returns and minimize the impact of severe market declines by using hedging strategies to manage volatility. This may help clients stay invested and remain better positioned to recover from downturns.
“These new investment options join three TOPS Managed Risk ETF Portfolios we introduced last year that also employ hedging strategies,” said Dan Kruse, second vice president and actuary, Individual Annuity Products, Securian Financial Group. “With these additions from high-quality asset managers, we now offer a complete suite of options with a range of target asset allocations and volatility management strategies.”
The new options, listed below, are immediately available.
- AllianceBernstein VPS Dynamic Asset Allocation
- Goldman Sachs VIT Global Markets Navigator
- PIMCO VIT Global Diversified Allocation
- SFT Advantus Managed Volatility Fund
They join these TOPS ® Managed Risk ETF Portfolios introduced in 2012:
- TOPS ® Managed Risk Balanced ETF Portfolio
- TOPS ® Managed Risk Moderate ETF Portfolio
- TOPS ® Managed Risk Growth ETF Portfolio
By helping to manage the extremes of market volatility, MVPs may help clients avoid making emotional decisions to take money out of the markets during periods of decline. MVPs are designed to help reduce the impact of market swings which may help grow retirement assets for the future.
Variable annuities, such as the MultiOption® suite of variable annuities offered by Securian, help provide long-term financial security. They offer the ability to save for retirement now by investing in a variety of variable investment options. Later they can be structured to provide guaranteed retirement income – for a set amount, a set period of time, or for a lifetime. MultiOption variable annuities also offer:
- Tax-deferred earnings, allowing you to grow your retirement assets faster, since you don’t pay tax on earnings until withdrawn
- Investment flexibility that allows clients to develop investment strategies that match their goals and risk tolerance
- Death benefit protection features
- Lifetime income options
Since 1880, Securian Financial Group and its affiliates have provided financial security for individuals and businesses in the form of insurance, investments and retirement plans. Now one of the nation’s largest financial services providers, it is the holding company parent of a group of companies that offer a broad range of financial services.
Diversification and an asset allocation strategy don’t guarantee against loss – they are methods used to manage risk. Although volatility management provides clients a valuable strategy to help buffer the investment from market downturns, it may also reduce some of the upside growth potential. There is no guarantee an investment option will meet its objectives. As with any variable investment, investing in the Managed Volatility Portfolios involves investment risk, including the loss of principal.
These portfolios and their respective asset managers are just a few of many offered in Securian variable annuities.
An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax-qualified plan, the tax deferral feature offers no additional value. There are charges and expenses associated with annuities, such as deferred sales charges for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charges, investment management fees and rider fees. Variable annuities are subject to market fluctuation, investment risk and loss of principal. Guarantees are backed by the claims-paying ability of the issuing company. Guarantees have no bearing on the performance of the variable investment options.
Variable annuities are distributed by Securian Financial Services, Inc., member FINRA/SIPC, an affiliate of Minnesota Life Insurance Company and Securian Financial Group, Inc.
You should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. You may obtain a copy of the prospectus from your representative. Please read the prospectuses carefully before investing.
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