This model may be right for you if you want to avoid a potential loss of account value, or if you are nearing retirement. The Conservative model may have more stable and predictable returns than the other models. You should be willing to go without the potential for higher long-term returns.
Mesirow Models
Our managed asset allocation models have been developed by Mesirow Financial, an industry leader in asset allocation. Using extensive knowledge and years of market research, Mesirow Financial has created five asset allocation models specific to our variable universal life product.
The models are designed to offer the diversification needed to help increase your investment return while helping to reduce the impact of market fluctuation.
Your financial professional can help you make final decisions based on your personal circumstances, needs, goals and risk tolerance. Your selected model will determine the investment accounts and specify what percentage of your assets will be allocated to each.
Fund Category - asset color key
CONSERVATIVE
MODERATELY CONSERVATIVE
This model may be right for you if your primary goal is to avoid short-term losses. However, you also want higher long-term returns to offset the effects of inflation. Your account will likely have relative stability, but in order to keep up with inflation, some fluctuations in your account value should be expected.
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MODERATE
This model may be right for you if you are interested in balancing your level of risk and return. You want to have returns in excess of inflation and an increase in your account value over the long term. When investing in this model, you should be willing to accept short-term losses and fluctuations in your account value.
MODERATELY AGGRESSIVE
This model may be right for you if you have time until retirement and can tolerate higher-than average fluctuations in your account value. This model provides the potential for higher-than-average returns over the long term. You should be willing to accept short-term losses and less stable returns.
AGGRESSIVE
This model may be right for you if you are willing and able to stay the course through short-term gains and losses because you want the potential for higher returns over the long term. You should have a long time until retirement and a high tolerance for risk. You should be willing to accept frequent short-term losses and extreme fluctuations in account value.
Fund Category - asset color key
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Build your own
If you prefer to select your own fund mix to align to your desired investment outcomes, we offer a wide variety of professionally managed investment options to help you customize your approach.
Want more information on these funds?
The links below provide you with information on each of the funds, including expenses and objectives associated with each option. If you’d like additional information on performance over time, fund overview sheets are available for your use.
Value
Investment options | Manager/Series |
Franklin Templeton | |
Fidelity | |
Vanguard | |
Vanguard |
Blend
Investment options | Manager/Series |
American Funds | |
Vanguard | |
Vanguard |
Growth
Investment options | Manager/Series |
American Funds | |
Fidelity | |
Vanguard |
Value
Investment options | Manager/Series |
Fidelity |
Blend
Investment options | Manager/Series |
Franklin Templeton | |
Invesco | |
Vanguard |
Growth
Investment options | Manager/Series |
Invesco | |
MFS |
Value
Investment options | Manager/Series |
DFA |
Blend
Investment options | Manager/Series |
BlackRock | |
Invesco |
Growth
Investment options | Manager/Series |
Franklin Templeton | |
MFS | |
Vanguard |
High-Yield
Investment options | Manager/Series |
American Funds | |
BlackRock | |
Vanguard |
Long-term
Investment options | Manager/Series |
PIMCO |
Intermediate-term
Investment options | Manager/Series |
BlackRock | |
Invesco | |
PIMCO | |
Vanguard |
Short Term
Investment options | Manager/Series |
PIMCO | |
Vanguard |
World/Multi-Sector
Investment options | Manager/Series |
Fidelity | |
PIMCO | |
Vanguard |
Investment options | Manager/Series |
Vanguard |
Investment options | Manager/Series |
American Funds | |
American Funds | |
American Funds | |
BlackRock | |
DFA | |
Vanguard | |
Vanguard |
Investment options | Manager/Series |
Vest | |
Vest | |
TOPS | |
TOPS | |
TOPS |
Investment options | Manager/Series |
DFA | |
Fidelity |
Investment options | Manager/Series |
Vanguard |
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Note: Variable investment options are subject to market risk which includes the potential loss of principal.
Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to One American Square, Indianapolis, IN 46282, oneamerica.com. Before investing, carefully consider the fund’s investment objectives, risks, charges, and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.
Provided content is for overview and information purposes only and is not intended as tax, legal, fiduciary, or investment advice.
The S&P 500 Index is a product of the S&P Down Jones Indices LLC (“SPDJI”), and has been licensed for use by OneAmerica, Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by OneAmerica. The product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and non of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
Investing in international markets involves risks not associated with investing solely in the U.S., such as currency fluctuation, potential political and diplomatic instability, liquidity risks, and differences in accounting, taxes, and regulations. Risks of international investing are generally intensified for investments in emerging markets.
Funds investing in stocks of small, mid-sized, and emerging companies may have less liquidity than those investing in larger, established companies and may be subject to greater price volatility and risk than the overall stock market.
High-yield bonds are subject to greater credit risk and price fluctuations than investment grade bonds.
Money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency. Although they seek to preserve the value of your investment at $1.00 per share, it’s possible to lose money by investing in money market funds.
The use of asset allocation or diversification does not assure a profit or guarantee against a loss.
Other entities referenced are not affiliates of the companies of OneAmerica unless otherwise noted.
Products issued and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica company and registered variable products distributed by OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. Form number ICC21 VUL21. Not available in all states or may vary by state.
NOT A DEPOSIT • NOT FDIC/NCUA INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION • MAY LOSE VALUE
All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
Not available in ND, NY & SD
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