Account Value |
The total sum of your Fixed Account Option and/or Variable Account Option that has not yet been
applied to your annuity payments. |
Advisory Program |
The investment advice service provided by your Investment Adviser. Guided Portfolio Services® is an
advisory service offered by VFA. A separate investment advisory fee and agreement are required
for this service, if available under an employer’s retirement plan. We no
longer honor investment adviser transfer requests in connection with Advisory
Programs that are offered through third-party Investment Advisers.
|
Beneficiary |
The individual designated to receive the death benefit or Payout Payments upon the death of the
annuitant. |
Business Day |
Any weekday that the New York Stock Exchange (“NYSE”) is open for trading. Normally, the NYSE is
open Monday through Friday, from 9:30 a.m. to 4:00 p.m. Eastern time. On U.S. holidays or other
days when the NYSE is closed, such as Good Friday, the Company is not open for
business. |
Contract |
The group and individual fixed and variable deferred annuity contracts summarized in this summary
prospectus and described in more detail in the prospectus. |
Contract Year |
A 12-month period starting with the issue date of a Contract or Participant’s Contract certificate, as
applicable, and each anniversary of that date. |
Fixed Account Option |
An account that is guaranteed to earn at least a minimum rate of interest while invested in VALIC’s
general account. |
Fixed Account Plus |
A type of Fixed Account Option under the Contract. |
Fund or Mutual Fund |
The investment portfolio(s) of a registered open-end management investment company, which serves
as the underlying investment vehicle for each Division represented in VALIC Separate Account
A. |
Investment Adviser |
The investment adviser that you have engaged to provide services as part of an Advisory Program. We
only support Advisory Programs that are offered through VFA. There are typically advisory fees
associated with an Advisory Program. Those fees are separate from the
Contract’s fees and charges. |
|
VALIC is not an investment adviser to any Advisory Program and does not provide any advice under an
Advisory Program. |
Market Close |
The close of regular trading on the NYSE, generally 4:00 p.m., Eastern time, on each day the NYSE is
open for business. |
Multi-Year Enhanced
Option |
A type of Fixed Account Option, potentially subject to market value adjustments. |
Net Purchase Payments |
The total sum of Purchase Payments minus withdrawals and charges. |
Participant |
The individual (in most cases, you) who makes Purchase Payments or for whom Purchase Payments
are made. |
Payout Payments |
Annuity payments withdrawn in a steady stream during the Payout Period. |
Payout Period |
The time when you begin to withdraw your money in Payout Payments. |
Platform Charge |
A fee we charge in order to make certain underlying Funds available as an investment option under the
Contract. |
Purchase Payment |
An amount of money you or your employer pay to VALIC to receive the benefits of a Contract. |
Purchase Period |
The accumulation period or time between your first Purchase Payment and the beginning of your
Payout Period (or surrender). |
Short-Term Fixed Account |
A type of Fixed Account Option under the Contract. |
VALIC (we, us, our) |
The Variable Annuity Life Insurance Company. |
Variable Account Option
(or Division) |
Any variable investment option under the Contract. Each Variable Account Option invests in the shares
of a single Fund. |
|
FEES AND EXPENSES |
Location in
Prospectus | ||
Charges for Early
Withdrawals |
Your Contract may be subject to surrender charges depending on the series
of Contract: •Series 1, 3, 4, 5, 7, and 9. If you withdraw money
under the Contract within five years of making a Purchase
Payment, you may be assessed a surrender charge of up to
5%, either as a percentage of the amount withdrawn or as a
percentage of Purchase Payments made during the last five
years, whichever is less. •Series 2, 6, 11, and 12. No surrender charge. For example, if you own a series 1, 3, 4, 5, 7, or 9 Contract and make an
early withdrawal, you could pay a surrender charge of up to
$5,000 on a $100,000 investment. No surrender charges would
apply to a series 2, 6, 11, or 12 Contract.
You may be subject to a market value adjustment if you make an early
withdrawal or transfer from a Multi-Year Enhanced Option (a
type of Fixed Account Option). |
Fee Tables
Fees and Charges –
Surrender Charge | ||
Transaction Charges |
In addition to surrender charges (if applicable), you may also be charged
for other transactions. •You may be subject to a market value adjustment if you make an early
withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed
Account Option). •You may be subject to a loan application fee and loan interest if you
request a loan under the Contract. •Under a series 11 contract, if you transfer amounts from the Fixed Account
Plus option to another investment option under the Contract (or to
another funding entity while you are still employed with
the group) in excess of the annual limit, you may be
subject to a charge of 5% on the excess amount
transferred. •While you are enrolled in an Advisory Program, you will pay an Advisory
Program Fee to your Investment Adviser, and your Investment Adviser may
direct VALIC to deduct such fee from your Account
Value. •There may also be taxes on Purchase Payments.
|
Fee Tables
Fees and Charges |
|
FEES AND EXPENSES |
Location in
Prospectus | ||
Ongoing Fees and
Expenses (annual
charges) |
The table below describes the current fees and expenses of the Contract
that you may pay each year, depending on the options you choose. Please
refer to your Contract specifications page for information
about the specific fees you will pay each year based on the
options you have elected. The fees and expenses do not
reflect any advisory fees paid to an investment adviser from
the Contract or other Contract owner assets. If such charges were
reflected, the fees and expenses would be higher. Interest
on Contract loans is not reflected below. |
Fees and Charges | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract1
(varies by Contract class) |
0.80% |
0.81% | ||
Investment Options2
(Fund fees and expenses) |
0.20% |
1.27% | ||
1 As a percentage of average daily net asset value allocated to a Variable
Account Option, plus for the Maximum charge, an amount attributable to
the annual variable account option maintenance charge,
which is applicable to series 1 and 9 only.
2 As a percentage of Fund net assets, plus any applicable amounts deemed to
be Platform Charges. | ||||
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of
owning your Contract, the following table shows the lowest
and highest cost you could pay each
year, based on current charges. This estimate assumes that you do not take
withdrawals from the Contract, which could add surrender charges that substantially increase costs. |
||||
Lowest Annual Cost: $1,020 |
Highest Annual Cost: $2,115 | |||
Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of base Contract classes and Fund fees and expenses •No surrender charges or advisory
fees
•No additional Purchase Payments, transfers, or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of base Contract classes and Fund fees and expenses •No surrender charges or advisory
fees
•No additional Purchase Payments, transfers, or withdrawals |
|
RISKS |
Location in
Prospectus | ||
Risk of Loss |
You can lose money by investing in this Contract, including your
principal investment. |
Principal Risks of
Investing in the
Contract | ||
Not a Short-Term
Investment |
•This Contract is not designed for short-term investing and is not
appropriate for an investor who needs ready access to cash.
•Charges may apply to withdrawals under a series 1, 3, 4, 5, 7, or 9
Contract. Surrender charges could significantly reduce the amount that
you receive upon taking a withdrawal. Withdrawals may also
reduce or terminate Contract guarantees.
•If you select the Fixed Account Plus option for investment, your ability to
transfer amounts from that option is subject to an annual limit. It may
take several years to transfer all amounts from the Fixed
Account Plus option. Under a series 11 Contract, if you
transfer amounts from the Fixed Account Plus option in
excess of that annual limit (including withdrawals from the
Fixed Account Plus option for the purpose of transferring assets to
another funding entity), you may be subject to a
charge. •You may be subject to a market value adjustment if you make an
early withdrawal or transfer from a Multi-Year Enhanced
Option (a type of Fixed Account Option).
•The benefits of tax deferral and long-term income mean the Contract is
generally more beneficial to investors with a long investment time
horizon. | |||
Risks Associated with
Investment Options |
•An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the
Contract. •Each investment option (including each Fixed Account Option) has
its own unique risks. •You should review the investment options before making an investment
decision. | |||
Insurance Company
Risks |
An investment in the Contract is subject to the risks related to us,
VALIC. Any obligations (including under any Fixed Account
Option), guarantees, and benefits of the Contract are
subject to our claims-paying ability. If we experience
financial distress, we may not be able to meet our obligations to you. More information about us, including our financial strength ratings, is
available upon request by calling 1-800-448-2542 or visiting
www.corebridgefinancial.com/rs. |
|
RESTRICTIONS |
Location in
Prospectus | ||
Investments |
•Certain investment options may not be available under your Contract. If
your Contract is a tax-deferred nonqualified annuity that is not part of
your employer’s retirement plan, Variable Account
Options investing in a Public Fund will not be available to
you. •You may transfer funds between the investment options, subject to certain
restrictions. •If you are enrolled in an Advisory Program, you are personally prohibited
from making transfers among investment options in the Contract. During
such period, transfer instructions may only be provided by
the Investment Adviser. If you terminate the Advisory
Program, you may make transfers among the investment
options subject to certain restrictions. •Transfers between the investment options, as well as certain
purchases and redemptions, are subject to policies designed
to deter market timing and frequent transfers.
•Transfers to and from the Fixed Account Options are subject to special
restrictions. •Early withdrawals and transfers from a Multi-Year Enhanced Option may be
subject to negative adjustments. •We reserve the right to remove or substitute Funds as investment options. |
Fixed and Variable
Account Options
Transfers Between
Investment Options | ||
|
TAXES |
| ||
Tax Implications |
•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. •If you purchase the Contract through a tax-qualified plan or individual
retirement account, there is no additional tax benefit under the
Contract. •Withdrawals, including withdrawals to pay your Investment
Adviser’s fees, may be subject to ordinary income
tax. You may have to pay a tax penalty if you take a
withdrawal before age 59½. |
Federal Tax Matters | ||
|
CONFLICTS OF INTEREST |
| ||
Investment
Professional
Compensation |
Your financial professional may receive compensation for selling this
Contract to you in the form of commissions, additional cash
compensation, and non-cash compensation. We may share the
revenue we earn on this Contract with your financial
professional’s firm, which may be an affiliate. This
conflict of interest may influence your financial professional to recommend this Contract over another investment for which the financial
professional is not compensated or compensated less.
You may determine to engage an Investment Adviser to provide investment
advice to you for the Contract. Your Investment Adviser
will charge an Advisory Program Fee. We do not set your
investment advisory fee. While VALIC may deduct the
Advisory Program Fee from your Account Value based on
instructions from your Investment Adviser, we do not retain any portion of these fees. Because VFA is the Investment Adviser of your Advisory Program,
VALIC, as the parent company of VFA will indirectly benefit from
VFA’s receipt of Advisory Program Fees.
In addition, Investment Advisers and their managers are eligible for
benefits from us or our affiliates, such as non-cash
compensation items. One or more of these conflicts of
interest may influence your financial professional to
recommend this Contract over another investment. |
General Information –
Distribution of the
Contracts |
|
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
Exchanges |
Some financial professionals may have a financial incentive to offer you
a new contract in place of the one you already own. You
should exchange a contract you already own only if you
determine, after comparing the features, fees, and risks of
both contracts, that it is better for you to purchase the new
contract rather than continue to own your existing contract.
|
General Information –
Distribution of the
Contracts |
Standard Benefits | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions / Limitations |
Interest
Guaranteed Death
Benefit |
Provides a death benefit
based on the greater of
Account Value or Net
Purchase Payments
plus interest |
No Charge |
•Payable only during the Purchase Period •Payable only if death occurs before age 70
•May not be available in all states •Withdrawals, including withdrawals to pay your advisory
fees, may significantly reduce the benefit |
Standard Death
Benefit |
Provides a death benefit
based on the greater of
Account Value or Net
Purchase Payments |
No Charge |
•Payable only during the Purchase Period •Generally payable only if death occurs on or after age
70 •Payable in any state where the interest guaranteed death benefit is not available, even if death occurs before age 70 •Withdrawals, including withdrawals to pay your advisory
fees, may significantly reduce the benefit |
Systematic
Withdrawals |
Allows you to
automatically receive
withdrawals on a
regular basis during the
Purchase Period |
No Charge |
•Withdrawals may be subject to surrender charges •Market value adjustments may apply to amounts withdrawn
or transferred from a Multi-Year Enhanced Option
•No more than one systematic withdrawal election may be in effect at any time •We reserve the right to discontinue any or all systematic
withdrawals or to change the terms at any time
|
No Charge
Systematic
Withdrawals |
Allows you to
automatically receive
withdrawals on a
regular basis during the
Purchase Period
without surrender
charges |
No Charge |
•Withdrawals must be made to you over a period of not less than five years, and the annual amount withdrawn may not exceed 20% of Account Value at time of election •Market value adjustments may apply to amounts withdrawn
or transferred from a Multi-Year Enhanced Option
•May not change election once withdrawals begin •No more than one systematic withdrawal election may be in
effect at any time
•We reserve the right to discontinue any or all systematic withdrawals or to change the terms at any time |
Loans |
Provides tax-free
access to amounts
invested in Fixed
Account Options
(excluding Multi-Year
Enhanced Options) |
$75 application
fee (per loan)
Maximum net
interest rate 6% |
•Available only during the Purchase Period •May not be taken against amounts invested in Variable
Account Options or Multi-Year Enhanced Options
•Interest will accrue on outstanding loan amounts •Minimum loan amount is $1,000 |
Advisory Program |
The investment advice
service provided by
your Investment
Adviser |
Not applicable |
•A separate investment advisory fee and agreement is required •May not be available under your employer’s retirement plan
or in connection with your Contract
•If investment adviser fees are deducted from the Contract, any deduction may reduce the death benefit, and annuity benefits, and may be subject to surrender charges, federal and state income taxes and a 10% federal penalty tax. •For new investors, we no longer honor investment adviser
transfer requests in connection with Advisory Programs
that are offered through third-party Investment
Advisers. |
DCA Program |
Provides a systematic
transfer of a specified
percentage of the DCA
Fixed Option value to
other eligible
investment options |
No Charge |
•Systematic transfers occur on a monthly basis and will not
count will toward the number of free transfers per contract
year
•Minimum Purchase Payment amounts apply •May not be available with certain group arrangements. Not
available in all states |
Contract Type |
Initial Purchase Payment |
Subsequent Purchase Payment |
Periodic Payment |
$30 |
$30 |
Single Payment |
$1,000 |
Not Applicable |
Surrender Charges and Taxes |
Your withdrawal may be subject to surrender charges and taxes, including a 10% federal tax penalty if you are
younger than age 59½. |
|
In any Contract Year, up to 10% of the Account Value may be withdrawn without a surrender charge. The surrender charge will generally apply to any amount withdrawn that exceeds this 10% limit. The percentage
withdrawn will be determined by dividing the amount withdrawn by the Account Value just prior to the
withdrawal. If more than one withdrawal is made during a Contract Year, each
percentage will be added to determine at what point the 10% limit has been
reached. |
Market Value Adjustments |
If you take an early withdrawal from a Multi-Year Enhanced Option, the withdrawal will be subject to a market
value adjustment that will result in either an increase or reduction in the value of your investment
in the Multi- Year Enhanced Option. |
Negative Impact on Contract values |
A withdrawal will reduce the value of your Contract and may reduce the value of the death benefit (perhaps
significantly). |
Internal Revenue Code or Retirement Plan |
Depending on the circumstances, the Internal Revenue Code or your retirement plan may restrict your ability
to take withdrawals. |
Maximum Surrender Charge |
|
Series 1, 3, 4, 5, 7, and 9 |
5.00%(1) |
Series 2, 6, 11, and 12 |
None |
Maximum Loan Application Fee (per loan) |
$75 |
Fixed Account Plus Excess Transfer Charge
|
|
Series 11 |
5.00%(2) |
Other Series |
None |
Annual Variable Account Option Maintenance
Charge |
|
Series 1 and 9 |
$15 |
Series 2, 3, 4, 5, 6, 7, 11, and 12 |
None |
Annual Fees |
Current |
Maximum |
Base Contract Expenses(3) (as a percentage of average daily net asset value allocated to the Variable Account Option) |
0.80% |
0.81% |
Loan Interest Charges |
Current |
Maximum |
Non-ERISA Contracts |
4.00% |
6.00% |
ERISA Contracts |
2.75% |
6.00% |
Annual Fund Expenses
(expenses that are deducted from Fund assets, including management fees,
distribution and/or service (12b-1) fees (if applicable), and
other expenses) |
Minimum(4) |
Maximum(5) |
0.20% |
1.27% |
Series 1 and 9 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$6,746 |
$11,443 |
$16,216 |
$24,181 |
Series 3, 4, 5, and 7 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$6,732 |
$11,402 |
$16,145 |
$24,048 |
Series 2, 6, 11, and 12 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$2,100 |
$6,490 |
$11,145 |
$24,048 |
Series 1 and 9 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$2,115 |
$6,534 |
$11,216 |
$24,181 |
Series 3, 4, 5, and 7 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$2,100 |
$6,490 |
$11,145 |
$24,048 |
Series 2, 6, 11, and 12 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$2,100 |
$6,490 |
$11,145 |
$24,048 |
Series 1 and 9 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$5,714 |
$8,231 |
$10,606 |
$12,433 |
Series 3, 4, 5, and 7 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$5,700 |
$8,187 |
$10,533 |
$12,292 |
Series 2, 6, 11, and 12 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$1,020 |
$3,187 |
$5,533 |
$12,292 |
Series 1 and 9 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$1,035 |
$3,231 |
$5,606 |
$12,433 |
Series 3, 4, 5, and 7 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$1,020 |
$3,187 |
$5,533 |
$12,292 |
Series 2, 6, 11, and 12 | |||
1 Year |
3 Years |
5 Years |
10 Years |
$1,020 |
$3,187 |
$5,533 |
$12,292 |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Domestic
Large-Cap
Equity |
American Beacon Man Large Cap
Growth Fund3, 5 – Investor
Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% |
None |
1.12% |
31.01% |
15.58% |
14.60%* |
Systematic Growth Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs Asset
Management, L.P. and Wellington Management
Company LLP |
0.68% |
None |
0.68% |
44.81% |
12.46% |
11.81% | |
Capital Appreciation Fund2 Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.80% |
None |
0.80% |
41.16% |
16.74% |
12.26% | |
Dividend Value Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock Investment
Management, LLC and ClearBridge
Investments, LLC |
0.68% |
None |
0.68% |
12.56% |
9.97% |
8.15% | |
Growth Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock and SunAmerica
Asset Management, LLC (an affiliate of
VALIC due to common ownership)
|
0.65% |
None |
0.65% |
46.94% |
16.27% |
12.40% | |
Large Capital Growth Fund2 Adviser: VALIC
Sub-Adviser: Massachusetts Financial Services Company |
0.75% |
None |
0.75% |
23.93% |
16.70% |
12.73% | |
Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.44% |
None |
0.44% |
54.49% |
22.00% |
17.26% | |
Stock Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.25% |
None |
0.25% |
25.80% |
15.32% |
11.67% | |
Systematic Core Fund2, 5
Adviser: VALIC Sub-Adviser: Goldman Sachs
|
0.64% |
None |
0.64% |
24.03% |
15.42% |
11.47% | |
Systematic Value Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.49% |
None |
0.49% |
11.19% |
10.31% |
7.52% | |
U.S. Socially Responsible Fund2 Adviser: VALIC
Sub-Adviser: SunAmerica |
0.36% |
None |
0.36% |
21.70% |
14.36% |
11.20% | |
Vanguard Windsor II Fund3 – Investor Shares
Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.34% |
0.25% |
0.59% |
20.98% |
14.87% |
10.05% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Domestic Mid-
Cap Equity |
Ariel Appreciation Fund3 – Investor Class
Adviser: Ariel Investments, LLC |
1.13% |
None |
1.13% |
10.62% |
10.28% |
6.32% |
Mid Cap Strategic Growth Fund2 Adviser: VALIC
Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.77% |
None |
0.77% |
22.41% |
15.16% |
10.39% | |
Mid Cap Value Fund2 Adviser: VALIC
Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.82% |
None |
0.82% |
16.98% |
13.01% |
7.97% | |
Mid Cap Index Fund2 Adviser: VALIC
Sub-Adviser: SunAmerica |
0.36% |
None |
0.36% |
15.94% |
12.21% |
8.92% | |
Domestic Small-
Cap Equity |
Ariel Fund3 – Investor Class
Adviser: Ariel |
0.99% |
None |
0.99% |
15.81% |
10.95% |
7.54% |
Small Cap Growth Fund2, 5
Adviser: VALIC Sub-Advisers: J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc. |
0.91% |
None |
0.91% |
14.28% |
10.05% |
8.78% | |
Small Cap Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.40% |
None |
0.40% |
16.35% |
9.57% |
6.88% | |
Small Cap Special Values Fund2 Adviser: VALIC
Sub-Adviser: Allspring Global Investments, LLC |
0.89% |
None |
0.89% |
19.14% |
11.68% |
8.30% | |
Small Cap Value Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.81% |
None |
0.81% |
12.79% |
9.98% |
6.23% | |
Global Equity
(International
and Domestic) |
Global Strategy Fund2, 5
Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc.
and Brandywine Global Investment Management
LLC |
0.71% |
None |
0.71% |
15.60% |
3.53% |
2.38% |
International Socially Responsible Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.61% |
None |
0.61% |
18.35% |
8.68% |
6.96% | |
International
Equity |
Emerging Economies Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
0.96% |
None |
0.96% |
12.11% |
3.30% |
1.89% |
International Equities Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.43% |
None |
0.43% |
17.25% |
7.70% |
3.95% | |
International Growth Fund2, 5
Adviser: VALIC Sub-Advisers: MSIM and Morgan Stanley
Investment Management Co.
|
0.88% |
None |
0.88% |
17.66% |
9.54% |
5.62% | |
International Opportunities Fund2, 5
Adviser: VALIC Sub-Advisers: Invesco Advisers, Inc. and
Wellington Management |
1.00% |
None |
1.00% |
14.28% |
6.22% |
4.75% | |
International Value Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs and Columbia
Management Investment Advisers,
LLC |
0.79% |
None |
0.79% |
14.38% |
5.91% |
1.64% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Specialty |
Global Real Estate Fund2 Adviser: VALIC
Sub-Advisers: Duff & Phelps Investment Management Co. and MFS |
0.88% |
None |
0.88% |
10.01% |
3.15% |
3.66% |
Invesco Balanced-Risk Commodity Strategy Fund3, 5 –
Class R5
Adviser: Invesco Advisers, Inc. |
1.15% |
None |
1.15% |
-3.13% |
7.08% |
0.24% | |
Science & Technology Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock, Voya, and
Wellington Management |
0.93% |
None |
0.93% |
55.79% |
18.42% |
15.69% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Hybrid
(Equity and
Fixed Income) |
Aggressive Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.62% |
None |
0.62% |
17.04% |
9.69% |
6.61% |
Asset Allocation Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.69% |
None |
0.69% |
18.34% |
8.27% |
5.61% | |
Conservative Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.64% |
None |
0.64% |
11.24% |
5.86% |
4.15% | |
Dynamic Allocation Fund2, 5
Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. and
SunAmerica |
0.81% |
None |
0.81% |
13.32% |
6.93% |
5.02% | |
Moderate Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.60% |
None |
0.60% |
14.09% |
8.46% |
5.91% | |
T. Rowe Price Retirement 2015 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.75% |
None |
0.75% |
12.71% |
6.74% |
5.28% | |
T. Rowe Price Retirement 2020 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.78% |
None |
0.78% |
13.17% |
7.38% |
5.78% | |
T. Rowe Price Retirement 2025 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.79% |
None |
0.79% |
14.33% |
8.17% |
6.33% | |
T. Rowe Price Retirement 2030 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.82% |
None |
0.82% |
16.02% |
8.98% |
6.85% | |
T. Rowe Price Retirement 2035 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.84% |
None |
0.84% |
17.83% |
9.77% |
7.31% | |
T. Rowe Price Retirement 2040 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.85% |
None |
0.85% |
19.27% |
10.41% |
7.69% | |
T. Rowe Price Retirement 2045 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.87% |
None |
0.87% |
20.17% |
10.90% |
7.94% | |
T. Rowe Price Retirement 2050 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.88% |
None |
0.88% |
20.49% |
10.98% |
7.98% | |
T. Rowe Price Retirement 2055 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.89% |
None |
0.89% |
20.48% |
10.93% |
7.95% | |
T. Rowe Price Retirement 2060 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.89% |
None |
0.89% |
20.44% |
10.93% |
7.72%* | |
Vanguard LifeStrategy Conservative Growth Fund3, 4 –
Investor Shares
Adviser: The Vanguard Group, Inc. |
0.12% |
0.25% |
0.37% |
12.48% |
5.52% |
4.77% | |
Vanguard LifeStrategy Growth Fund3, 4 – Investor Shares
Adviser: Vanguard |
0.14% |
0.25% |
0.39% |
18.55% |
9.83% |
7.36% | |
Vanguard LifeStrategy Moderate Growth Fund3, 4 –
Investor Shares
Adviser: Vanguard |
0.13% |
0.25% |
0.38% |
15.49% |
7.68% |
6.09% | |
Vanguard Wellington Fund3 – Investor Shares
Adviser: Wellington Management |
0.26% |
0.25% |
0.51% |
14.33% |
9.58% |
7.88% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Fixed Income |
Core Bond Fund2 Adviser: VALIC
Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.50% |
None |
0.50% |
6.51% |
1.70% |
1.96% |
Goldman Sachs VIT Government Money Market Fund5 –
Institutional Shares
Adviser: Goldman Sachs |
0.18% |
None |
0.18% |
5.05% |
1.82% |
1.19% | |
Government Securities Fund2 Adviser: VALIC
Sub-Adviser: JPMIM |
0.67% |
None |
0.67% |
4.21% |
0.53% |
1.27% | |
High Yield Bond Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.68% |
None |
0.68% |
13.14% |
5.28% |
4.22% | |
Inflation Protected Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.55% |
None |
0.55% |
4.09% |
3.05% |
2.13% | |
International Government Bond Fund2 Adviser: VALIC
Sub-Adviser: PineBridge |
0.76% |
None |
0.76% |
5.98% |
0.04% |
0.65% | |
Vanguard Long-Term Investment-Grade Fund3 – Investor
Shares
Advisers: Wellington Management and Vanguard |
0.21% |
None |
0.21% |
9.27% |
1.96% |
3.75% | |
Vanguard Long-Term Treasury Fund3 – Investor Shares
Adviser: Vanguard |
0.20% |
None |
0.20% |
3.31% |
-1.32% |
2.21% |