EDUCATOR'S DIRECT

Let our professional money managers help you

It's important to balance earning potential with assessed risk. And that's why you should take advantage of a program that leaves the "heavy lifting" of portfolio management to a team of professionals. View the ING Educator's Direct video to learn how we can help take the guesswork out of investing for your future.

ING Educator's Direct is a variable annuity program for investing through your school's 403(b) plan that keeps it simple and leaves the hard work to investment professionals.

Keeps it simple

When picking your investment options, you select from one of the six professionally-managed ING Index Solutions PortfoliosSM. Each portfolio is identified by a year (e.g., 2045). You can pick the one closest to the year you plan to retire. 

Leaves the hard work to the professionals

The ING Index Solution Portfolios are designed for people who don't have the time, or feel they don't have the knowledge, to make investment allocation decisions. Professional money managers will monitor and adjust the portfolios to make sure each stays on track to help meet its investment objective, which is a target retirement date.

You should consider the investment objectives, risks, charges and expenses of the variable product and its underlying fund options carefully before investing. The vprospectus contains this and other information. Please read the information carefully before investing.

There is no guarantee that any investment option will achieve its stated objective. Principal value fluctuates and there is no guarantee of value at any time, including the target date. The "target date" is the approximate date when you plan to start withdrawing your money. When your target date is reached, you may have more or less than the original amount invested. For each target date Portfolio, until the day prior to its Target Date, the Portfolio will seek to provide total returns consistent with an asset allocation targeted for an investor who is retiring in approximately each Portfolio's designation Target Year. The Target Year is specified in the Portfolio's name. For example, the ING Index Solution 2045 Portfolio bears an asset allocation that the investment adviser believes balances the risk and return objectives of the "average" investor who will be retiring in the year 2045. With the exception of ING Solution Growth and Income Portfolio, ING Solution Growth Portfolio, ING Solution Income Portfolio and ING Index Solution Income Portfolio, each Portfolio is structured and managed around a specific target retirement or financial goal date ("Target Date") as follows: 2055, 2045, 2035, 2025 and 2015. The ING Solution Growth and Income Portfolio, ING Solution Growth Portfolio, ING Solution Income Portfolio and ING Index Solution Income Portfolio are for those who are retired, nearing retirement or in need of drawing down income from their Portfolio soon. Prior to choosing a Target Date Portfolio, investors are strongly encouraged to review and understand the Portfolio's objectives and its composition of stocks and bonds, and how the asset allocation will change over time as the target date nears. No two investors are alike and one should not assume that just because they intend to retire in the year corresponding to the Target Date that that specific Portfolio is appropriate and suitable to their risk tolerance. It is recommended that an investor consider carefully the possibility of capital loss in each of the target date Portfolios, the likelihood and magnitude of which will be dependent upon the Portfolio's asset allocation.

On the Target Date, the Portfolio's investment objective will be to seek to provide a combination of total return and stability of principal consistent with a low to moderate risk asset allocation which is targeted to the "average" retiree.

Stocks are more volatile than bonds, and portfolios with a higher concentration of stocks are more likely to experience greater fluctuations in value than portfolios with a higher concentration in bonds. Foreign stocks and small and midcap stocks may be more volatile than large cap stocks. Investing in bonds also entails credit risk and interest rate risk. Generally investors with longer timeframes can consider assuming more risk in their investment portfolio. The ING Index Solution Portfolios are target date portfolios that are actively managed with respect to how their asset allocation is adjusted over time, yet are indexed with respect to how the underlying strategies within the suite are managed. Each underlying strategy seeks to replicate the performance of the index which is associated with its asset class. The portfolios may merge with or change to other portfolios over time. Refer to the prospectus for more information about the specific risks of investing in the various asset classes included in the ING Index Solution Portfolios.