Generally, asset allocation is diversifying your investment among four broad categories: equity, fixed income, specialty and cash. Historically, the returns of these categories have not moved up and down at the same time. In fact, conditions that cause one asset category to do well often cause another asset category to have average or poor returns.

Although asset allocation does not guarantee a profit or protect against a loss, a diversified portfolio helps reduce the risk that you'll lose money and gives your overall investment returns the potential for less volatility. For example, if one asset category's investment return falls, you'll be in a position to counteract your losses in that asset category with the potential for better investment returns in another asset category. The Overture Medley Asset Allocation Model Performance Summary  provides a sample of asset allocation model performance.

The asset allocation tool may help you determine your appropriate asset allocation for the variable investment options in your variable product. Your individual situation may need further analysis. Please consult with your financial professional if you feel you need additional assistance.