Wealth Strategies Investment Planning Profile

Transcription

1 Wealth Strategies Investment Planning Profile A Guide to Help You Determine Which Strategy May Be Best for You > > > Strategy Strategy Strategy Strategy Strategy Strategy INVESTMENT PLANNING PROFILE Prepared for Investment Products Offered Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed This Investment Planning Profile must be preceded or accompanied by a prospectus for AllianceBernstein Wealth Strategies Funds.

2 AllianceBernstein Wealth Strategies Investment Planning Profile These questions are designed to help you determine which investment strategy may suit you. Broadly speaking, if you have high current cash needs or prefer more stable investments, you may wish to consider a conservative investment strategy. If you are willing to tolerate higher volatility for higher potential returns, you may wish to consider an equity-oriented investment strategy. If your current cash needs are less immediate or if you are willing to tolerate moderate volatility, you may wish to consider a balanced portfolio. We suggest that you use this tool and review it with your financial advisor. This questionnaire should not be deemed to be a recommendation, as the ultimate decision on whether the Wealth Strategies are appropriate for you will depend on your own particular circumstances. Please choose the most appropriate answer to each of the following questions: Points 1. What best describes your financial situation today? 2. What do you expect will best describe your situation five years from now? 3. What is the outlook for your expected earnings potential over the next five years? 4. How important is it that your investment results remain consistent from one quarter to the next? 5. Which of the following three hypothetical investment scenarios is most appealing to you? A. Saving 5% or more of annual income B. Saving less than 5% of annual income C. Spending equals annual income D. Spending less than 5% annually of your investment portfolio... 5 E. Spending 5% or more annually of your investment portfolio... 0 A. Saving 5% or more of annual income B. Saving less than 5% of annual income C. Spending equals annual income D. Spending less than 5% annually of your investment portfolio... 5 E. Spending 5% or more annually of your investment portfolio... 0 A. Increase B. Stay about the same C. Decrease/Already retired... 0 A. Not important B. Somewhat important C. Important... 0 Annualized Return During Return During Chance of Return Very Good Very Bad Losing Money Goal Year Year in a Year A. 10% 40% -20% 1 in B. 8% 26% -10% 1 in C. 6% 18% -6% 1 in Total Your Points:

3 Investment s Solutions Designed to Balance Risk and Return for Taxable Accounts Now that you ve completed the survey, consider these choices for your taxable account(s) as potentially appropriate given your responses. Remember, the ultimate decision as to which investment is right for you is up to you and your financial advisor, and will depend on your particular circumstances. Time before you plan to begin spending money from your taxable investment portfolio: Total Points Within 2 Years 2 4 Years 5 9 Years More Than 10 Years Consider Other AB Investment Solutions Other factors to think about and discuss with your financial advisor: 1. Is there additional money to invest in your nontaxable portfolio? Be sure to discuss with your financial advisor whether the investment strategies for both portfolios complement each other. 2. Do you anticipate any significant lifestyle changes during the expected time horizon for this investment (e.g., home down payment; college tuition funding)? 3. Is there any reason to believe that your risk tolerance level could change? 4. If you are currently withdrawing money from a retirement account, should the time horizon for your taxable portfolio perhaps be longer? 5. If this investment is supposed to realize your legacy goals (e.g., heirs and/or charities), should the time horizon be longer? 6. Is this investment strategy appropriate for your federal tax bracket? Note that for investors with low tax brackets, tax management may not be worthwhile. Be sure to discuss possible tax implications with your financial advisor.

4 Non- Investment s Solutions for 401(k) Plans, IRAs and Other Accounts with No or Low Tax* If you are investing assets from a tax-qualified account, you may want to consider these choices as potentially appropriate given your responses. Again, the ultimate decision as to which investment is right for you is up to you and your financial advisor, and will depend on your particular circumstances. Time before you plan to begin spending money from your tax-qualified investment portfolio: Total Points Within 2 Years 2 4 Years 5 9 Years More Than 10 Years Consider Other AB Investment Solutions Other factors to think about and discuss with your financial advisor: 1. Is there additional money to invest in your taxable portfolio? Be sure to discuss with your financial advisor whether the investment strategies for both portfolios complement each other. 2. How soon do you expect to retire? When will you no longer be making contributions? 3. How much can be spent each year from this portfolio? 4. Will you need to make mandatory withdrawals in the near future from your qualified retirement accounts? 5. Is there any other reason to think that your risk tolerance level might change soon? * As with all tax-related decisions, please consult your tax advisor for personalized guidance.

5 AllianceBernstein Wealth Strategies Solutions Designed to Balance Risk and Return Strategy Strategy Strategy More Greater Stability Lower Return Potential Moderate Stability Moderate Return Potential Greater Volatility Higher Return Potential Return Less Less Risk More Construction Strategy U.S. Large-Cap Value 7.50% U.S. Large-Cap Growth 7.50 U.S. Small/Mid-Cap Value 1.25 U.S. Small/Mid-Cap Growth 1.25 International Value 3.75 International Growth 3.75 REITs 10.00% Short 27.50% Intermediate Inflation-Protected Strategy U.S. Large-Cap Value 15.50% U.S. Large-Cap Growth U.S. Small/Mid-Cap Value 3.75 U.S. Small/Mid-Cap Growth 3.75 International Value 8.25 International Growth 8.25 REITs 10.00% Intermediate 28.00% High Yield 7.00 Strategy U.S. Large-Cap Value 24.00% U.S. Large-Cap Growth U.S. Small/Mid-Cap Value 7.50 U.S. Small/Mid-Cap Growth 7.50 International Value International Growth REITs 10.00% Wealth Preservation Strategy U.S. Large-Cap Value 10.50% U.S. Large-Cap Growth International Value 4.50 International Growth 4.50 Short Munis 35.00% Intermediate Munis Balanced Wealth Strategy U.S. Large-Cap Value 17.50% U.S. Large-Cap Growth International Value 7.50 International Growth 7.50 Intermediate Munis 50.00% Wealth Appreciation Strategy U.S. Large-Cap Value 35.00% U.S. Large-Cap Growth International Value International Growth * target allocations. Allocations will change over time.

6 AllianceBernstein Investment Solutions Wealth Strategies are just one approach that meets the portfolio construction needs of various clients. That s why we offer a broad range of mutual fund solutions for our clients. Our investment solutions encompass an extended family that includes style-pure funds, style-blended funds and the six Wealth Strategies funds. Our Firm, Our Mission Building and Preserving Investor Wealth through: > A sole focus on asset management > Global, innovative research > Disciplined, principled investment processes > Investment strategies geared to client needs > Competitive performance at a good value Delivered by our most important assets... Our People A Word About Risk The investment return and principal value of an investment in the Funds will fl uctuate as the prices of the individual securities in which they invest fl uctuate so that shares, when redeemed, may be worth more or less than their original costs. The Wealth Strategies portfolios allocate their investments among multiple asset classes that may include U.S. and foreign securities as well as equity and fi xed-income securities. Within each of these broader asset classes, the s will also allocate their investments in different types of securities, such as growth and value stocks, real-estate investment trusts, corporate bonds and U.S. government bonds. There are risks associated with investments in each of these asset classes, which are described more fully in the prospectus. The Wealth Strategies portfolios systematically rebalance the allocations in these asset classes to maintain their target weighting. There can be no assurance that rebalancing the allocations will achieve the intended results, and the costs of rebalancing may be signifi cant over time. In addition, the tax-managed s may employ a number of strategies that take into account the tax impact of buy and sell decisions on the s shareholders. While the tax-managed s seek to maximize after-tax returns to shareholders, there can be no assurance that these strategies will be effective, and the use of these strategies may affect the gross returns of these s. In order to achieve their investment objectives, the s may at times use certain types of derivatives, such as options, futures, forwards and swaps. These instruments involve risks different from and, in certain cases, greater than, the risks presented by more traditional investments. These risks are more fully discussed in the prospectus. You should consider the investment objectives, risks, and charges and expenses of the Fund carefully before investing. For a free copy of the Funds prospectus, which contains this and other information, visit our website at or call AllianceBernstein at (800) Please read the prospectus carefully before investing. AllianceBernstein Investment Research and Management, Inc., is an affi liate of Alliance Capital Management L.P., the manager of the Funds, and is a member of the NASD Avenue of the Americas New York, NY WEALSTRATINVPLANPROF0505