Horace Mann Retirement Advantage® IRA

An Individual Retirement Account (IRA) can help you save for retirement in a tax-advantaged way. The IRA itself is not an investment, but it holds the investments you choose to save toward your retirement goal.

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Why a Horace Mann Retirement Advantage® IRA?

The Horace Mann Retirement Advantage® IRA provides you with these benefits:

  • Availability to choose from a diverse set of mutual funds that can cover a broad range of investment objectives and risk tolerances
  • Ability to have a hands-off option in mutual fund choices based on target retirement dates and managed by professional money managers
  • Fee transparency – clear investment fee structure.
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How to open a Horace Mann Retirement Advantage® IRA

A Horace Mann representative will walk you through the process of opening a Horace Mann Retirement Advantage® IRA.

Retirement Advantage® IRA

Investment options

The information below displays the investment options available in the Horace Mann Retirement Advantage® IRA. You can choose from a menu of investment options that cover the risk/reward spectrum, from conservative to aggressive and both U.S. and International markets. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards.

Click on the style category and the list of investment options in that style will be reflected. Click the mutual fund name to see the prospectus. When you click this link, you will be taken to a third party site. You may also obtain a prospectus by calling 800-677-2363.

For monthly mutual fund performance click here.
For quarterly mutual fund option performance click here.

Lifecycle / Target Date

Fund Description Fund ID Prospectus
Vanguard Target Retirement 2020 Inv VTWNX link
Vanguard Target Retirement 2025 Inv VTTVX link
Vanguard Target Retirement 2030 Inv VTHRX link
Vanguard Target Retirement 2035 Inv VTTHX link
Vanguard Target Retirement 2040 Inv VFORX link
Vanguard Target Retirement 2045 Inv VTIVX link
Vanguard Target Retirement 2050 Inv VFIFX link
Vanguard Target Retirement 2055 Inv VFFVX link
Vanguard Target Retirement 2060 Inv VTTSX link
Vanguard Target Retirement Income Inv VTINX link

 

Allocation--15% to 30% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Income Inv VASIX link

 

Allocation--30% to 50% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Cnsrv Gr Inv VSCGX link

 

Allocation--50% to 70% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Moderate Gr Inv VSMGX link

 

Allocation--70% to 85% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Growth Inv VASGX link

 

Large Value

Fund Description Fund ID Prospectus
JPMorgan Equity Income I HLIEX link
LSV Value Equity LSVEX link
MFS Value R6 MEIKX link
American Funds Washington Mutual F3 FWMIX link

 

Large Blend

Fund Description Fund ID Prospectus
American Funds Investment Company of America F3 FFICX link
Calvert US Large Cap Care Responsible Index R6 CSXRX link
JPMorgan US Equity I JUESX link
MFS Blended Research Core Equity R6 MUEVX link
Neuberger Berman Susatinable Eq R6 NRSRX link
Nuveen Santa Barbara Dividend Growth R6 NSBFX link
TIA- CREF Social Choice Eq Instl TISCX link
Vanguard 500 Index Admiral VFIAX link
Vanguard FTSE Social Index Admiral VFTAX link

 

Large Growth

Fund Description Fund ID Prospectus
American Century Growth R6 AGRDX link
JPMorgan Large Cap Growth I SEEGX link
MFS Growth R6 MFEKX link
Neuberger Berman Socially Rspns R6 NRSRX link
Putnam Sustainable Leaders R6 PSLGX link
T. Rowe Price Growth Stock I PRUFX link

 

Mid-Cap Value

Fund Description Fund ID Prospectus
MFS Mid Cap Value R6 MVCKX link
Putnam Sustainable Future R6 PNOTX link
Victory Sycamore Established Value R6 VEVRX link
Wells Fargo Special Mid Cap Value R6 WFPRX link

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Mid-Cap Blend

Fund Description Fund ID Prospectus
Calvert US Mid Cap Core Rspnb Idx CMJIX link
Vanguard Extended Market Idx Adm VEXAX link
Vanguard Mid Cap Index Adm VIMAX link

 

Mid-Cap Growth

Fund Description Fund ID Prospectus
AMG TimesSquare Mid Cap Growth TMDIX link
Baird MidCap Inst BMDIX link
Eventide Gilead ETILX link
Ivy Mid Cap Growth R6 IGRFX link
JPMorgan Mid Cap Growth I HLGEX link

 

Small Value

Fund Description Fund ID Prospectus
Boston Partners Small Cap Value II I BPSIX link
DFA US Targeted Value I DFFVX link
JPMorgan Small Cap Value I PSOPX link
Nuveen NWQ Small-Cap Value R6 NSCFX link

 

Small Blend

Fund Description Fund ID Prospectus
Crossmark Steward Sm-Md Cp Enh Inx Instl SCECX link
DFA US Small Cap I DFSTX link
T. Rowe Price Small-Cap Value I PRVIX link
Vanguard Small Cap Index Adm VSMAX link

 

Small Growth

Fund Description Fund ID Prospectus
PGIM Jennison Small Co R6 PJSQX link
Vanguard Explorer Adm VEXRX link

 

World Stock

Fund Description Fund ID Prospectus
MFS Global Equity R6 MWEMX link
Oakmark Global I OAKGX link
Invesco Global R6 OGLIX link

 

Foreign Large Value

Fund Description Fund ID Prospectus
American Beacon Intl Equity Instl AAIEX link
DFA International Value I DFIVX link
Hartford Schroders Intl Multi-Cp Val SDR SIDRX link
JPMorgan International Val I JIESX link

 

Foreign Large Blend

Fund Description Fund ID Prospectus
MFS Research International R6 MRSKX link
Neuberger Berman International Eq R6 NRIQX link
Pax International Sustainable Economy Fund PXINX link
Vanguard Developed Markets Idx Admiral VTMGX link
Vanguard Total Intl Stock Index Admiral VTIAX link

 

Foreign Large Growth

Fund Description Fund ID Prospectus
MFS International Growth R6 MGRDX link
Neuberger Berman International Eq R6 NRIQX link
Invesco Oppenheimer International Gr R6 OIGIX link

 

Foreign Small/Mid Blend

Fund Description Fund ID Prospectus
DFA International Small Company I DFISX link
Oakmark International Small Cap I OAKEX link

 

Foreign Small/Mid Growth

Fund Description Fund ID Prospectus
Wasatch International Growth WIIGX link

 

Diversified Emerging Mkts

Fund Description Fund ID Prospectus
DFA Emerging Markets I DFEMX link
DFA Emerging Markets Social Core Port DFESX link
Neuberger Berman Emerg Mkts Eq R6 NREMX link
Vanguard Emerging Mkts Stock Idx Adm VEMAX link

 

Real Estate

Fund Description Fund ID Prospectus
Morgan Stanley Inst US Real Estate IS MURSX link
Virtus Duff & Phelps Real Estate Securities R6 VRREX link
Vanguard REIT Index Adm VGSLX link

 

Global Real Estate

Fund Description Fund ID Prospectus
DFA Global Real Estate Securities Port DFGEX link
PGIM Global Real Estate R6 PGRQX link

 

Intermediate-Term Bond

Fund Description Fund ID Prospectus
American Funds Bond Fund of America BFFAX link
BlackRock Total Return K MPHQX link
Guggenheim Total Return Bond Instl GIBIX link
JPMorgan Core Plus Bond I HLIPX link
PGIM Total Return Bond R6 PTRQX link
TIAA-CREF Social Choice Bond Instl TSBIX link
Vanguard Total Bond Market Index Adm VBTLX link

Inflation-Protected Bond

Fund Description Fund ID Prospectus
BlackRock Inflation Protected Bond K BPLBX link
Vanguard Inflation-Protected Secs Adm VAIPX link
Vanguard Shrt-Term Infl-Prot Sec Idx Adm VTAPX link
DFA Inflation-Protected Securities I DIPSX link

High Yield Bond

Fund Description Fund ID Prospectus
BlackRock High Yield Bond K BRHYX link
Lord Abbett High Yield R6 LHYVX link
PGIM High Yield R6 PHYQX link
Vanguard High-Yield Corporate Adm VWEAX link

World Bond

Fund Description Fund ID Prospectus
Legg Mason BW Global Opportunities Bd IS GOBSX link
Vanguard Total Intl Bd Idx Admiral™ VTABX link
PGIM Global Total Return R6 PGTQX link

Fixed Annuity

Fund Description Fund ID Prospectus
Horace Mann Group Unallocated Fixed Interest Annuity-Conservative HMF link

This information regarding tax rules is not intended to be legal or tax advice. The factors that affect your decision and ability to contribute to a Traditional or Roth IRA are complicated and can change each year. You should consult with your tax advisor for more information and to determine if an IRA is best for you.

Horace Mann Stable Value Solution (HMSVS) is not a mutual fund or other security. In this unallocated general account annuity, the recordkeeper maintains the records for the individual not the insurance company. Horace Mann Life Insurance Company has a financial interest in the HMSVS retaining the investment earnings in its general account that exceed the interest rate credited to individual accounts under the HMSVS (also referred to as the spread).

Horace Mann Investors, Inc. offers Horace Mann Retirement Advantage® as 403(b), 457(b) and 401(a) investment options. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. You can receive prospectuses from your Horace Mann representative, by calling 877-602-1870 or by visiting horacemann.com/retirementadvantage. You should read the prospectuses carefully and consider the investment objectives, risks, charges and expenses carefully before you invest or send money. The prospectuses will provide complete information about these subjects. As with all securities, mutual funds involve a risk of loss, including a loss of principal.

Custodial services are provided by Matrix Trust Company, a Colorado state-chartered trust company located at 717 17th Street, Suite 1300, Denver, CO 80202.

The information provided here is for general informational purposes only, and should not be considered a recommendation or investment, tax or legal advice. Retirement Advantage is not structured to the individualized needs of a particular plan, participant or beneficiary. The plan sponsor is responsible for selecting and monitoring investment options in which participants and beneficiaries may invest. Each investor needs to create an investment strategy for his or her own particular situation before making any investment decisions.

Target maturity or “Lifecycle” funds are managed for investors planning to retire (or to begin withdrawing substantial portions of their investments) in a particular year. These funds provide both asset allocation and rebalancing for investors following an investment strategy that grows more conservative as the target date approaches. It is important to note the principal value of Lifecycle funds is not guaranteed at any time.

The product and services may not be available in all states.