Diversification with Pacific Dynamix

Pacific Dynamix® offers an easy way to diversify variable annuity assets based on your long-term financial goals, investing time horizon, and risk comfort level.

 
Variable Annuity
Pacific Dynamix Portfolios

Pacific Dynamix Portfolios, part of the Pacific Select Fund, offer a combination of simplicity, transparency, and the lower costs associated with index-oriented investments.

 

Each Pacific Dynamix Portfolio is a fund-of-funds that invests in a wide range of index-oriented funds. Lower expenses associated with index-based investments can allow a Pacific Dynamix Portfolio to play an important part in managing the long-term cost of your investment portfolio.

 

The Pacific Dynamix Portfolio Client Brochure offers an overview of the Portfolios, including each Portfolio's asset allocation composition.

Pacific Dynamix: A Lower-Cost Strategy

Lower Cost
Lower expenses associated with index-based investments can allow a Pacific Dynamix Portfolio to play a key role in managing the long-term cost of an overall investment strategy.

Traditional Investment Strategy
Pacific Dynamix offers a diversified approach to investing that combines both stocks (for growth potential) and bonds (for potential to earn income and lessen volatility) in one portfolio.

Investment, Depth and Knowledge
Gain exposure to a wide range of securities that spans across multiple countries and asset classes— all managed by respected firms such as BlackRock®, Dimensional Fund Advisors, and State Street Global Advisors®.

0%*

Annual Net Expense

Why Index Funds?

The Pacific Dynamix Portfolios primarily invest in a group of underlining index funds. An "index fund" typically seeks to replicate the performance of a specific financial market index, such as the Russell 1000® Growth Index. An index fund's holdings are generally determined based on the issuers that comprise the respective index. Because the fund generally invests in securities that are included in the index, it usually has similar risk characteristics and performance. This approach typically makes index funds more cost-effective than portfolios managed in other ways, such as through active investing.

 

In other types of funds, such as through active investing, the manager tries to outperform the market as measured by a certain benchmark, such as the S&P 500® Index. This portfolio manager's investment decisions are more affected by market trends, economic factors, and current events, as well as company-specific factors.

 

Not all index funds purchase all the securities held in their respective benchmark. Instead, some use a "sampling" methodology, which means that the manager focuses on a smaller group of holdings that may share similar investment profiles as the securities in the index or the index overall.

 

Choosing a Pacific Dynamix investment option in a Pacific Life variable annuity may be cost-effective. Of course, any investment option charges are in addition to the cost associated with a variable annuity contract.

 

The holdings within underlying portfolios are generally grouped into three broad asset classes. The large number of securities in each class illustrates the diversity and wide reach that these portfolios offer.

Getting Started

If you’ve decided that a Pacific Life variable annuity is right for you, the next decision is how to allocate your investment options. With the help of your financial professional, you can choose the Pacific Dynamix Portfolio that will help you reach your retirement goals.

 
Find a Financial Professional Near You

*Net expenses reflect a contractual expense cap in place through April 30, 2021. There is no guarantee that expenses will continue to be capped after that date. Does not include contract level charges. A fund-of-funds involves direct expenses for each fund and indirect expenses for the underlying funds.

Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Investors should carefully consider a variable annuity's risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.

Asset allocation and diversification do not guarantee future results, ensure a profit, or protect against loss. Better returns could be achieved by investing in an individual fund or funds representing a single asset class rather than using asset allocation. A fund-of-funds is subject to its own expenses along with the expenses of the underlying funds. It is typically exposed to the same risks as the underlying funds in which it invests in proportion to the allocation of assets among those underlying funds, among other risks. Each underlying fund has its own investment goal, strategy, and risks. The prospectuses for the underlying funds are available at www.PacificLife.com.

Pacific Life Fund Advisors LLC (PLFA), a wholly owned subsidiary of Pacific Life Insurance Company, is the investment advisor to Pacific Dynamix portfolios and is responsible for determining the asset allocation mix for each portfolio.
Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax.

For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

Variable annuities are long-term investments designed for retirement. The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.

Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income, death benefit options, and the ability to transfer among investment options without sales or withdrawal charges.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company (Newport Beach, CA) in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.


Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company, and are available through licensed third parties.

Not all products are available at all broker/dealer firms.

 

No bank guarantee. Not a deposit. May lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.

This website or its third-party tools use cookies, which are necessary to its functioning and are required to achieve the purposes illustrated in our online privacy policy.