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Guided Portfolio Services(SM)

Guided Portfolio ServicesSM

    A reputation for exceptional service complemented by a proven methodology


    Guided Portfolio Services(SM)

    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:

    1. 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.

    2. 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.

    3. 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.

    4. 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.


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Guided Portfolio Services(SM)

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Important Notice About Purchasing a VALIC Annuity

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases certain VALIC annuity products.
What this means for you: When you purchase certain VALIC annuity products, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver`s license or other identifying documents.

Securities and investment advisory services are offered through VALIC Financial Advisors, Inc., member NASD, SIPC and an SEC-registered investment advisor.

Annuities and insurance products are offered by The Variable Annuity Life Insurance Company (VALIC), AIG Annuity, AIG affiliated insurance companies or other approved companies. Each underwriting company is financially responsible for its own insurance products.

AIG VALIC is the marketing name for the group of companies comprising VALIC Financial Advisors, Inc.; VALIC Retirement Services Company; and The Variable Annuity Life Insurance Company (VALIC); each of which is a subsidiary of American International Group, Inc. This information is general in nature and may be subject to change. Neither VALIC nor its agents give legal or tax advice. Applicable laws and regulations are complex and subject to change. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.

www.aigvalic.com





Last Updated: 11/5/2003