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Investor Basics

Investing Principles

Grow & Protect. Investing for the future is essential. Having a well-diversified portfolio that helps you accumulate savings while mitigating risk is key. But it's only part of the story. Having an income plan, for many, may be the missing element. An income plan identifies your sources of income to ensure you have income that is protected and available throughout your life.

Income Planning Then & Now

Past generations could count on Social Security and pensions for their retirement income, which was income protected by the government or a company. Of course, today it's up to you to have a 401(k) or IRA and other investments. As the chart below shows, your sources for protected income are no longer a given.

The Changing Retirement Landscape

Outliving your Money

Living longer means having to stretch out your savings and investments over a longer period of time. That necessitates an income between retirement and life expectancy.

The Gap Between Life Expectancy and Retirement Ages

Explore Your Options

To help with your planning, explore the topics in the boxes below for an overview of some of the most prevalent saving and investing principles.

Timing

Generally, when it comes to investing for the long term, the sooner you start the better off you'll be.

Dollar Cost Averaging

A systematic investment approach may help increase returns and keep emotions out of the equations.

Investment Types

Understanding your investment options, including those that provide protected growth is a great first step.

Asset Allocation

Don't put all your eggs in one basket. Manage risk by strategically allocating your assets.

Rebalancing

Be proactive to ensure your assets remain invested according to your long-term goals.

Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Annuities are long-term, tax-deferred vehicles designed for retirement. Variable annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Jackson® and its affiliates do not provide legal, tax or estate-planning advice. For questions about a specific situation, please consult a qualified advisor.

Annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York by Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions. Contact Jackson for more information.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •
Not a deposit • Not insured by any federal agency

CMN16257 10/19

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Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951