Because each investment option will perform differently over time, the structure of your portfolio will tend to drift from the target percentages. To help keep your variable annuity or life insurance policy on track with the combination of investment options you select, consider our free automatic rebalancing.

After the period you select (3 months, 6 months or 12 months) has elapsed, Ameritas reviews the investment balances, which may have appreciated or depreciated based on market experience and redistributes the assets to reflect the percentages in your original target allocation.

If you choose a Morningstar Asset Allocation Investment Level Model rebalancing will occur automatically each quarter.

Earnings Sweep
A similar program with the same disciplined approach to investing is called “earnings sweep.” Earnings sweep periodically reallocates the earnings (not the original principal amount placed in the investment options). For example, you may choose Earnings Sweep to move earnings from moderate or conservative options into more aggressive options. This program preserves your original investment allocation while maximizing your earnings potential in higher risk investments. Earnings sweep is not available with a Morningstar Asset Allocation Investment Level Model.