Today's retirement savers are navigating a perfect storm of issues.

From inflation, volatility, fear of outliving their income and eroding confidence, they're looking to you for help. Two-thirds of employees feel it's their employer's responsibility to ensure they are financially secure and well.1
Participants are delaying retirement
  • 40% of older American employees are expecting to retire later than originally planned due to inflation2
  • Of those expecting to retire later, 73% are worried they won’t have enough income in retirement2
Employers are also impacted
  • 35% of employers report an increased cost in health and benefits plans2
  • Employers are noticing lower workforce productivity, team morale and negative impacts on employees’ physical health2

In-plan guarantees may be a solution for your plan

In-plan guarantees are investment options that can help employers and employees by supporting better experiences and greater retirement certainty, all within an employer sponsored retirement plan. We know that one size doesn’t fit all, and that’s why we offer two types of protection: principal protection and guaranteed lifetime income.

Principal protection

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Nationwide Indexed Principal Protection® is a group fixed indexed annuity that provides principal protection no matter what the market does, while also giving participants the growth potential they want.3  Learn more

Read this guide to better understand how this solution can help your participants.

Guaranteed lifetime income

We offer target date collective investment funds that can help participants worry less about running out of money in retirement. Participants can take advantage of:

  • Guaranteed income for life — Provides lifetime income that isn’t dependent on market conditions
  • Growth potential — Offers the opportunity to grow savings, thanks to investment glide paths to and through retirement
  • Simplified experience — Accessible within an employer-sponsored retirement plan, and offers institutional pricing
  • Greater flexibility — Preserves access to account balance without surrender charges or penalties4

Plans have the choice of offering a solution within a retirement plan’s investment lineup or as part of a managed account solution, Nationwide ProAccount®, to help offer participants the confidence of both advice and guaranteed income in retirement.5

Document iconOur guide makes it simple to navigate the process of enhancing your retirement plan.

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Enhance your retirement plan by offering solutions that help deliver confidence as participants prepare for — and live in — retirement.

We are here to make it easy, schedule an appointment to get started.
[1] "2022 Workplace Wellness Study," EBRI,
[2] Nationwide Retirement Institute’s 2022 In-Plan Lifetime Income Survey.
[3] Fees associated with plan recordkeeping may still apply, and in some instances, result in a reduction in principal.
[4] Withdrawals may result in a proportional reduction of the associated income guarantee.
[5] Only some solutions may be available through Nationwide ProAccount, please reach out to learn more about availability.
Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.
Guarantees are subject to the claims-paying ability of the issuing insurance company.
Provisions of these options may vary based on plan selection and/or by state regulation. These investment options may not be available in all states.
Nationwide Investment Advisors, LLC (NIA) provides investment advice to plan participants enrolled in Nationwide ProAccount. NIA is an SEC-registered investment adviser and a Nationwide affiliate. NIA assesses participants an asset-based fee for the managed account services. When applicable, retirement products are offered by the Nationwide Trust Company, FSB, or Nationwide Life Insurance Company.
Nationwide, the Nationwide N and Eagle, Nationwide Retirement Institute, Nationwide ProAccount and Nationwide Indexed Principal Protection are service marks of Nationwide Mutual Insurance Company. © 2023 Nationwide