Financial Engines
Income+
Income+
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Income+ brings all the pieces of your financial puzzle into a personalized retirement plan that estimates your total income, from all sources you tell us about, at different ages in the future. An advisor representative is available throughout to discuss your plan and answer questions.
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With Income+ you get an investment advisor and a personalized Retirement Plan.
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This is designed to help avoid the risk of big losses to your retirement income—without eliminating growth potential in the process.
Bond and money market funds help provide steady income in retirement. Stock funds help income rise when markets perform well. We help get the balance right and help keep it right—your 401(k) is routinely rebalanced to keep you in a safe zone.
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Income+ rebalances your 401(k) portfolio for growth and safety.
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Income+ is designed to provide monthly payouts in retirement that can go up and can last for life. How? First with part of your portfolio we create an income floor using bond funds in your plan. This is designed to provide steady income payouts from age 65 to 85. Because this money is invested in bond funds and not stock funds, it’s less likely to go down—even if the market drops.
We invest a portion of the portfolio in stock funds to create growth potential. Each year, we convert some stocks into bonds so that payouts can go up over time.
Finally, if you want to ensure your payouts last for life, we can help you create lifetime income with an optional annuity purchase outside of the plan. It's just that—an option. You don’t have to decide until you’re 85, but we seek to set aside enough bond funds so that you could purchase an annuity if you decide to do so.
* With Financial Engines’ Income+, payouts begin in retirement at your request. Income+ is designed to manage your investments to create payouts that can last into your early 90s. If you think you’ll want payouts longer than that and want a lifetime guarantee, consider an optional annuity purchase. Financial Engines does not guarantee payout amounts or payouts for life.
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Income+ is designed to provide monthly payouts in retirement.
Meet Arthur
He’s transitioning to retirement and is just about ready to start receiving payouts.
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How could Financial Engines help someone like Arthur?
- Adjust his retirement strategy
- Provide a comprehensive Retirement Checkup
- Look at his total retirement picture