Shifting aspirations from saving to living in retirement Your clients have different needs and face different challenges when saving for retirement versus living off their retirement savings. That’s why the options available in the accumulation phase are designed to help to provide growth opportunities for your clients’ assets based on market performance, while the ones available in the distribution phase are designed to make sure their income lasts for a lifetime. AVAILABLE DURING ACCUMULATION Select from a blend: Allocating by investment category (AIC) During the accumulation phase, clients can build a diversified portfolio that meets their needs by participating in our AIC program. Each investment option has been assigned to an investment category based on risk. Clients may allocate to any investment option across the following categories, provided they follow the minimum and maximum allocation requirements as indicated in the chart. Allocation guidelines Category Minimum allocation Maximum allocation Conservative 10% 100% Moderate 0% 60% Aggressive 0% 40% 16 For Financial Professional Use Only. Not for Use With Consumers.