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Profile® Retirement Program

A Retirement Savings Program with No-Load Mutual Funds

Profile is an employer-sponsored, low cost, no-load mutual fund program that includes funds managed by highly respected fund managers and a fixed-rate annuity for stability.* It is designed for clients who want to actively manage their investment options without the assistance of a financial advisor.

* Policy Form IFA-406 or GFA-504, individual fixed annuities issued by The Variable Annuity Life Insurance Company, Houston, Texas.

Mutual Funds Back To Top
  • Array of no-load mutual funds that span all major asset categories and classes
  • Highly respected and experienced investment managers
  • Allows you to create a suitable investment portfolio that helps you achieve your financial objectives for retirement
  • Investment values will fluctuate, and there is no assurance that the objective of any fund will be achieved
  • Mutual fund shares are redeemable at the then current net asset value, which can be more or less than their original cost
  • For quarterly historical performance results click here. .
 
Fixed-Rate Option Back To Top

• Competitive current interest rate declared monthly. The Variable Annuity Life Insurance Company guarantees the rate on all deposits received that month through the end of the calendar year. The Variable Annuity Life Insurance Company intends (but does not guarantee) to pay this rate on those deposits for an additional year.

• Can help stabilize a mutual-fund investment portfolio

• Fixed annuity with guaranteed earnings and safety of principal, backed by the claims-paying ability of The Variable Annuity Life Insurance Company
- Surrender /withdrawal fees or additional limitations may apply depending on the contract unless certain conditions are met.

Guarantees on the fixed annuity option

• In the event of the owner’s death, the death benefit is equal to the account value of both the mutual funds and fixed annuity at the time all the paperwork is received "in good order."

• All guarantees are backed by the claims-paying ability of The Variable Annuity Life Insurance Company.

Buyer's Guide

The Buyer's Guide is required by many states for clients who purchase Fixed Annuity IRA and Non-Qualified Plans. It provides a general overview of deferred Fixed Annuity products.

Buyer's Guide for clients in the following states: AK, AR, FL, GA, OR and RI.

Buyer's Guide for clients in the following states: AL, AZ, CO, HI, IA, ME, MO, MT, NC, ND,NH, NJ, NM, NV, OH, OK, UT, and VT.

Kentucky Buyer's Guide

South Carolina Buyer's Guide

Wisconsin Buyer's Guide

 Note: Buyer's Guides are not required in CA, CT, DE, ID, IL, IN, KS, LA, MD, MA, MI, MN, MS, NE, NY, PA, SD, TN, TX, VA, WA, WV, and WY.

Investment Choice Back To Top

You can invest in the funds that best suit your time horizon, risk tolerance and investment preferences. Bear in mind that mutual funds are intended to be long-term investments, and that income taxes must be paid at withdrawal when used to fund a tax-deferred retirement plan.

Charges Back To Top

Fees and charges

•  Annual custodial fee up to $40 depending on your custodial document
•  Mutual fund management fees (See prospectus for more information)

To obtain prospectuses for the mutual funds in this plan, click here or call 1-800-448-2542. Each fund prospectus contains the investment objectives, risks, charges, expenses and other informtion about the investment company that you should consider carefully before investing. Please read the prospectus carefully before investing or sending money.