| Guided Portfolio ServicesSM A reputation for exceptional service complemented by a proven methodology AIG VALIC, long renowned for its commitment to superb customer service, is now able to offer its participants expert investment advice and asset management. Employing the independent financial expertise of Ibbotson Associates, Inc., to create objective investment advice tailored to your unique circumstances, AIG VALIC now offers Guided Portfolio Services (GPS), a service-oriented program consisting of Portfolio Manager and Portfolio Advisor. Both services provide comprehensive investment advice, including: - Wealth Forecasting
Using information such as desired retirement age and income, current investments, and future income and expenses, GPS calculates a wealth forecast that shows participants how likely they are to accumulate sufficient assets to help meet their desired retirement income goal. Additionally, the program recommends a specific investment portfolio and savings rate that is personalized to each individual's circumstances. Finally, it will project how long the participant must work to achieve this goal.
- Asset Allocation
The wealth forecast drives asset allocation, which diversifies portfolios into a variety of asset categories. Studies indicate that the greatest influence on investment results is the way assets are allocated.
- Investment Selection
GPS recommends specific investments and exactly how much should be invested in each. Continual adjustments are then made based on performance, market trends and the participants' changing circumstances.
- Asset Management
GPS offers two options. With Portfolio Manager, AIG VALIC through Ibbotson, will oversee participants' assets on an ongoing basis. After constructing the portfolios, GPS automatically reports on and manages the account, including investment monitoring and portfolio rebalancing.
With Portfolio Advisor, participants who prefer to remain more involved can manage their own assets based on the advice they receive from GPS. In other words, with Portfolio Advisor, the responsibility of account management remains with the participant. #40030 |
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