04/26/2024 | Press release | Distributed by Public on 04/26/2024 05:17
Page
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Glossary of Special Terms
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3
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Important Information You Should Consider About the Contract
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5
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Overview of the Contract
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7
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Purpose of the Contract
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7
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Phases of the Contract
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7
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Contract Features
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7
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Benefits Under the Contract
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8
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Standard Benefits Table
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8
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Optional Benefits Table
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9
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Buying the Contract
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9
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Minimum Initial and Subsequent Purchase Payments
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9
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Application of Purchase Payments
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9
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Making Withdrawals: Accessing the Money in Your Contract
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10
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Additional Information About Fees
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11
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Example
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11
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Appendix: Underlying Mutual Funds Available Under the Contract
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13
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Accumulation Unit - An accounting unit of measure used to calculate the Contract Value allocated to the Variable
Account before the Annuitization Date.
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Annuitant - The person(s) whose length of life determines how long annuity payments are paid. The Annuitant must
be living on the date the contract is issued.
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Annuitization Date- The date on which annuity payments begin.
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Contract Anniversary- Each recurring one-year anniversary of the date the contract was issued.
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Contract Owner(s) - The person(s) who owns all rights under the contract.
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Contract Value- The value of all Accumulation Units in a contract plus any amount held in the Fixed Account and the
collateral fixed account.
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Contract Year - Each year the contract is in force beginning with the date the contract is issued.
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Daily Net Assets- A figure that is calculated at the end of each Valuation Date and represents the sum of all the
Contract Owners interests in the Sub-Accounts after the deduction of underlying mutual fund expenses.
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Fixed Account - An investment option that is funded by Nationwide'sGeneral Account. Amounts allocated to the
Fixed Account will receive periodic interest subject to a guaranteed minimum crediting rate.
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General Account - All assets of Nationwide other than those of the Variable Account or in other separate accounts of
Nationwide.
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Individual Retirement Annuity or IRA- An annuity contract that qualifies for favorable tax treatment under Section
408(b) of the Internal Revenue Code, but does not include Roth IRAs or Simple IRAs.
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Nationwide - Nationwide Life Insurance Company.
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Net Asset Value - The value of one share of an underlying mutual fund at the close of regular trading on the New
York Stock Exchange.
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Non-Qualified Contract - A contract which does not qualify for favorable tax treatment as a Qualified Plan, IRA, Roth
IRA, SEP IRA, Simple IRA, or Tax Sheltered Annuity.
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Qualified Plan - A retirement plan that receives favorable tax treatment under Section 401 of the Internal Revenue
Code
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Roth IRA - An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue
Code.
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SEC- Securities and Exchange Commission.
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SEP IRA - An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal
Revenue Code.
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Service Center - The department of Nationwide responsible for receiving all service and transaction requests relating
to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests
communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to
contact the Service Center is in the Contacting the Service Center provision in the statutory prospectus.
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Sub-Accounts - Divisions of the Variable Account, each of which invests in a single underlying mutual fund.
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Tax Sheltered Annuity- An annuity that qualifies for favorable tax treatment under Section 403(b) of the Internal
Revenue Code.
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Valuation Date - Each day the New York Stock Exchange is open for business or any other day during which there is
a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be
materially affected. Values of the Variable Account are determined as of the close of regular trading on the New
York Stock Exchange, which generally closes at 4:00 p.m. EST.
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Valuation Period - The period of time commencing at the close of a Valuation Date and ending at the close of
regular trading on the New York Stock Exchange for the next succeeding Valuation Date.
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Variable Account- NationwideVariable Account-II, a separate account that Nationwide established to hold Contract
Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of
which invests in a separate underlying mutual fund.
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FEES AND EXPENSES
(see Additional Information About Fees later in this summary prospectus and Charges and Deductions in the statutory
prospectus)
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Charges for Early
Withdrawals
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If the Contract Owner withdraws money from the contract within 7 years following his/her
last purchase payment, a Contingent Deferred Sales Charge (or "CDSC") may apply (see
Contingent Deferred Sales Charge in the statutory prospectus). The CDSC is used to
recoup sales and other expenses associated with the contract that Nationwide incurs
during the early years of the contract. The CDSC will not exceed 7% of the amount of
purchase payments withdrawn, declining to 0% over 7 years.
For example, for a contract with a $100,000 investment, a withdrawal taken during the
CDSC period could result in a CDSC of up to $7,000.
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Transaction Charges
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Nationwide also charges a loan processing fee at the time each new loan is processed
(see Loan Privilege in the statutory prospectus).
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Ongoing Fees and
Expenses (annual
charges)
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The table below describes the fees and expenses that you may pay each year, depending
on the options chosen. Please refer to your contract specifications page for information
about the specific fees you will pay each year based on the options you have elected.
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Annual Fee
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Minimum
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Maximum
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Base Contract
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1.33%1
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1.33%1
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Investment options (underlying mutual fund fees
and expenses)
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0.41%2
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4.26%2
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1 As a percentage of Daily Net Assets, plus a percentage attributable to the Contract
Maintenance Charge.
2 As a percentage of underlying mutual fund assets.
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||
Because each contract is customizable, the options elected affect how much each
Contract Owner will pay. To help you understand the cost of owning the contract, the
following table shows the lowest and highest cost a Contract Owner could pay each year,
based on current charges. This estimate assumes that no withdrawals are taken from the
contract, which could add a CDSC that substantially increases costs.
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||
Lowest Annual Cost Estimate:
$1,606.62
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Highest Annual Cost Estimate:
$4,374.98
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Assumes:
• Investment of $100,000
• 5% annual appreciation
• Least expensive underlying mutual fund fees
and expenses
• No CDSC
• No additional purchase payments, transfers or
withdrawals
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Assumes:
• Investment of $100,000
• 5% annual appreciation
• Most expensive underlying mutual
fund fees and expenses
• No CDSC
• No additional purchase payments,
transfers or withdrawals
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RISKS
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Risk of Loss
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Contract Owners of variable annuities can lose money by investing in the contract,
including loss of principal (see Principal Risks in the statutory prospectus).
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Not a Short-Term
Investment
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The contract is not a short-term investment and is not appropriate for an investor who
needs ready access to cash. Nationwide has designed the contract to offer features,
pricing, and investment options that encourage long-term ownership (see Principal Risks in
the statutory prospectus).
A CDSC may apply for up to 7 years following the last purchase payment and could reduce
the value of the contract if purchase payments are withdrawn during that time (see
Contingent Deferred Sales Charge in the statutory prospectus). The benefits of tax
deferral also mean that the contract is more beneficial to investors with a long time horizon
(see Principal Risks in the statutory prospectus).
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RISKS
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Risks Associated with
Investment Options
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• Investment in this contract is subject to the risk of poor investment performance of the
investment options chosen by the Contract Owner.
• Each investment option (including the Fixed Account) has its own unique risks.
• Review the prospectuses and disclosures for the investment options before making an
investment decision.
See Principal Risks in the statutory prospectus.
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Insurance Company Risks
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Investment in the contract is subject to the risks associated with Nationwide, including that
any obligations (including interest payable for allocations to the Fixed Account),
guarantees, or benefits are subject to the claims-paying ability of Nationwide. More
information about Nationwide, including its financial strength ratings, is available by
contacting Nationwide at the address and/or toll-free phone number indicated in
Contacting the Service Center(see Principal Risks in the statutory prospectus).
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RESTRICTIONS
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Investments
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• Nationwide reserves the right to add, remove, and substitute investment options
available under the contract (see The Sub-Accounts and Underlying Mutual Funds in the
statutory prospectus).
• Allocations to the Fixed Account may not be transferred to another investment option
except at the end of a Fixed Account interest rate guarantee period (see The Fixed
Accountin the statutory prospectus).
• Transfers between Sub-Accounts are subject to policies designed to deter short-term
and excessively frequent transfers. Nationwide may restrict the form in which transfer
requests will be accepted (see Transfer Restrictions in the statutory prospectus).
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Optional Benefits
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• Certain optional benefits limit or restrict the investment options available for investment.
• Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new contracts and will not impact any contracts already
in force.
See Benefits Under the Contract in the statutory prospectus.
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TAXES
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Tax Implications
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• Consult with a tax professional to determine the tax implications of an investment in and
payments received under this contract.
• If the contract is purchased through a tax-qualified plan or IRA, there is no additional tax
deferral.
• Earnings in the contract are taxed at ordinary income tax rates at the time of
withdrawals and there may be a tax penalty if withdrawals are taken before the Contract
Owner reaches age 59½.
See Appendix C: Contract Types and Tax Information in the statutory prospectus.
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CONFLICTS OF INTEREST
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Investment Professional
Compensation
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Some financial professionals receive compensation for selling the contract. Compensation
can take the form of commission and other indirect compensation in that Nationwide may
share the revenue it earns on this contract with the financial professional's firm. This
conflict of interest may influence a financial professional, as these financial professionals
may have a financial incentive to offer or recommend this contract over another investment
(see Distribution, Promotional, and Sales Expenses in the statutory prospectus).
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Exchanges
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Some financial professionals may have a financial incentive to offer an investor a new
contract in place of the one he/she already owns. An investor should only exchange his/her
contract if he/she determines, after comparing the features, fees, and risks of both
contracts, that it is preferable for him/her to purchase the new contract, rather than to
continue to own the existing one (see Replacements and Distribution, Promotional, and
Sales Expenses in the statutory prospectus).
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Name of Benefit
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Purpose
|
Maximum
Fee
|
Brief Description of Restrictions/Limitations
|
Standard Death Benefit
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Death benefit upon
death of Annuitant prior
to Annuitization
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None
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• Nationwide may limit purchase payments to
$1,000,000
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Asset Rebalancing (see
Contract Owner
Services in the statutory
prospectus)
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Automatic reallocation
of assets on a
predetermined
percentage basis
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None
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• Assets in the Fixed Account are excluded from the
program
|
Dollar Cost Averaging
(see Contract Owner
Services in the statutory
prospectus)
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Long-term transfer
program involving
automatic transfer of
assets
|
None
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• Transfers are only permitted from the Fixed Account
and a limited number of Sub-Accounts
• Transfers may not be directed to the Fixed Account
• Transfers from the Fixed Account must be equal to
or less than 1/30th of the Fixed Account value at
the time the program is requested
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Enhanced Fixed
Account Dollar Cost
Averaging (see Contract
Owner Services in the
statutory prospectus)
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Long-term transfer
program involving
automatic transfer of
Fixed Account
allocations with higher
interest crediting rate
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None
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• Transfers are only permitted from the Fixed Account
• Only new purchase payments to the contract are
eligible for the program
• Transfers may not be directed to the Fixed Account
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Systematic Withdrawals
(see Contract Owner
Services in the statutory
prospectus)
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Automatic withdrawals
of Contract Value on a
periodic basis
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None
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• Withdrawals must be at least $100 each
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Name of Benefit
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Purpose
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Maximum
Fee
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Current Fee
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Brief Description of Restrictions/
Limitations
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Loans (see Loan
Privilege in the statutory
prospectus)
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Loan from Contract
Value
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$25 Loan
Processing
Fee and
2.25%
compound
interest on
outstanding
loan balance
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$25 Loan
Processing
Fee and
2.25%
compound
interest on
outstanding
loan balance
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• Only available to owners of Tax
Sheltered Annuities and Qualified
Plans
• Subject to terms of the Tax
Sheltered Annuity plan or Qualified
Plan
• Minimum and maximum loan
amounts apply
• Loans must be repaid within a
specified period
• Loan payments must be made at
least quarterly
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Transaction Expenses
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Maximum Contingent Deferred Sales Charge ("CDSC") (as a percentage of purchase payments withdrawn)
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7%
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Number of Completed Years from Date of
Purchase Payment
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0
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1
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2
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3
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4
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5
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6
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7
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CDSC Percentage
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7%
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6%
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5%
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4%
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3%
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2%
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1%
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0%
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Loan Processing Fee
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$25
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Annual Contract Expenses
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Annual Loan Interest Charge (assessed as a reduction to the credited interest rate)
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2.25%1
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Administrative Expense2
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$30
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Base Contract Expenses3(assessed as an annualized percentage of Daily Net Assets)
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1.30%
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Annual Underlying Mutual Fund Expenses
|
||
Minimum
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Maximum
|
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(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other expenses, as a
percentage of average underlying mutual fund net assets.)
|
0.41%
|
4.26%
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If the contract is surrendered
at the end of the
applicable time period
|
If the contract is annuitized
at the end of the
applicable time period
|
If the contract is not
surrendered
|
||||||||||
1 Yr.
|
3 Yrs.
|
5 Yrs.
|
10 Yrs.
|
1 Yr.
|
3 Yrs.
|
5 Yrs.
|
10 Yrs.
|
1 Yr.
|
3 Yrs.
|
5 Yrs.
|
10 Yrs.
|
|
Maximum
Annual
Underlying
Mutual Fund
Expenses
(4.26%)
|
$11,870
|
$21,456
|
$30,842
|
$56,451
|
*
|
$17,456
|
$28,842
|
$56,451
|
$5,870
|
$17,456
|
$28,842
|
$56,451
|
Minimum
Annual
Underlying
Mutual Fund
Expenses
(0.41%)
|
$7,827
|
$9,657
|
$11,733
|
$21,112
|
*
|
$5,657
|
$9,733
|
$21,112
|
$1,827
|
$5,657
|
$9,733
|
$21,112
|
Type
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Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Equity
|
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Discovery Value Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
|
1.06%
|
16.86%
|
10.51%
|
7.29%
|
Equity
|
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Relative Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
|
0.61%*
|
12.03%
|
11.85%
|
9.32%
|
Allocation
|
American Funds Insurance Series® - American Funds® Global
Balanced Fund: Class 4
Investment Advisor: Capital Research and Management Company
|
1.00%*
|
13.45%
|
7.16%
|
5.20%
|
Fixed Income
|
American Funds Insurance Series® - American High-Income Trust:
Class 4
Investment Advisor: Capital Research and Management Company
|
0.80%*
|
12.18%
|
5.84%
|
4.15%
|
Allocation
|
American Funds Insurance Series® - Capital Income Builder®: Class
4
Investment Advisor: Capital Research and Management Company
|
0.77%*
|
8.76%
|
7.18%
|
|
Equity
|
American Funds Insurance Series® - Global Small Capitalization
Fund: Class 4
Investment Advisor: Capital Research and Management Company
|
1.16%*
|
15.79%
|
8.03%
|
5.51%
|
Equity
|
American Funds Insurance Series® - New World Fund®: Class 4
Investment Advisor: Capital Research and Management Company
|
1.07%*
|
15.67%
|
8.37%
|
4.43%
|
Fixed Income
|
American Funds Insurance Series® - U.S. Government Securities
Fund: Class 2
Investment Advisor: Capital Research and Management Company
|
0.49%*
|
2.89%
|
1.04%
|
1.52%
|
Equity
|
American Funds Insurance Series® - Washington Mutual Investors
Fund: Class 4
Investment Advisor: Capital Research and Management Company
|
0.75%*
|
16.97%
|
12.33%
|
9.64%
|
Fixed Income
|
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield V.I.
Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited
|
0.79%*
|
12.94%
|
5.50%
|
4.22%
|
Fixed Income
|
BlackRock Variable Series Funds II, Inc. - BlackRock Total Return V.I.
Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock (Singapore)
Limited
|
0.80%*
|
5.42%
|
1.03%
|
1.62%
|
Allocation
|
BlackRock Variable Series Funds, Inc. - BlackRock 60/40 Target
Allocation ETF V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
|
0.56%*
|
15.32%
|
8.69%
|
|
Allocation
|
BlackRock Variable Series Funds, Inc. - BlackRock Global Allocation
V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock (Singapore)
Limited
|
1.02%*
|
12.49%
|
7.38%
|
4.63%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Allocation
|
Calvert Variable Series, Inc. - Calvert VP SRI Balanced Portfolio:
Class F
Investment Advisor: Calvert Research and Management
|
0.90%
|
16.42%
|
9.99%
|
7.14%
|
Equity
|
Calvert Variable Trust, Inc. - CVT Nasdaq 100 Index Portfolio: Class F
(formerly, Calvert Variable Products, Inc. - Calvert VP Nasdaq 100
Index Portfolio: Class F)
Investment Advisor: Calvert Research and Management
Sub-Advisor: Ameritas Investment Partners, Inc.
|
0.73%*
|
54.02%
|
21.80%
|
17.01%
|
Equity
|
Columbia Funds Variable Insurance Trust II - Columbia Variable
Portfolio - Seligman Global Technology: Class 2
Investment Advisor: Columbia Management Investment Advisors, LLC
|
1.20%*
|
44.87%
|
25.34%
|
20.11%
|
Fixed Income
|
Columbia Funds Variable Series Trust II - Columbia Variable Portfolio
- High Yield Bond Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors, LLC
|
0.89%*
|
11.87%
|
5.31%
|
4.17%
|
Equity
|
Delaware VIP Trust - Macquarie VIP Small Cap Value Series: Service
Class (formerly, Delaware VIP Trust - Delaware VIP Small Cap Value
Series: Service Class)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware statutory
trust)
Sub-Advisor: Macquarie Investment Management Global Limited
|
1.08%
|
9.10%
|
9.87%
|
6.77%
|
Equity
|
Fidelity Variable Insurance Products - Emerging Markets Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR UK, FMR HK, FMR Japan, FIA, and FIA(UK)
|
1.14%
|
9.49%
|
7.55%
|
4.92%
|
Allocation
|
Fidelity Variable Insurance Products Fund - VIP Balanced Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.69%
|
21.23%
|
12.15%
|
8.80%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Contrafund®
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.81%
|
33.12%
|
16.36%
|
11.33%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Energy Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.86%
|
0.70%
|
13.36%
|
2.37%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Equity-Income
Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.47%
|
10.65%
|
12.30%
|
8.58%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Fixed Income
|
Fidelity Variable Insurance Products Fund - VIP Floating Rate High
Income Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.75%
|
12.17%
|
5.60%
|
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Growth & Income
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.74%
|
18.37%
|
14.50%
|
9.99%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio:
Initial Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.58%
|
36.24%
|
19.64%
|
14.80%
|
Fixed Income
|
Fidelity Variable Insurance Products Fund - VIP Investment Grade
Bond Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.48%
|
6.12%
|
1.87%
|
2.24%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Overseas Portfolio:
Initial Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity Management &
Research (Japan) Limited, FIL Investment Advisors, FIL Investment
Advisors (UK) Limited and FIL Investments (Japan) Limited
|
0.73%
|
20.51%
|
9.98%
|
4.91%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Value Strategies
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited
|
0.85%
|
20.61%
|
16.63%
|
9.10%
|
Alternative
|
Goldman Sachs Variable Insurance Trust - Goldman Sachs Multi-
Strategy Alternatives Portfolio: Service Shares
Investment Advisor: Goldman Sachs Asset Management, L.P.
|
1.21%*
|
7.77%
|
4.16%
|
|
Equity
|
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series I
Investment Advisor: Invesco Advisers, Inc.
|
0.87%
|
13.15%
|
12.77%
|
9.79%
|
Fixed Income
|
Invesco - Invesco V.I. Global Strategic Income Fund: Series I
Investment Advisor: Invesco Advisers, Inc.
|
0.92%*
|
8.88%
|
1.30%
|
1.50%
|
Equity
|
Ivy Variable Insurance Portfolios - Macquarie VIP Mid Cap Growth
Series: Service Class (formerly, Ivy Variable Insurance Portfolios -
Delaware Ivy Mid Cap Growth: Class II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware statutory
trust)
Sub-Advisor: Macquarie Investment Management Global Limited
|
1.10%*
|
19.59%
|
14.63%
|
10.47%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Allocation
|
Janus Aspen Series - Janus Henderson Balanced Portfolio: Service
Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.87%
|
15.13%
|
9.37%
|
7.73%
|
Equity
|
Janus Aspen Series - Janus Henderson Enterprise Portfolio: Service
Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.97%
|
17.78%
|
13.14%
|
11.82%
|
Fixed Income
|
Janus Aspen Series - Janus Henderson Flexible Bond Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.82%*
|
5.29%
|
1.55%
|
1.66%
|
Equity
|
Janus Aspen Series - Janus Henderson Global Research Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.86%
|
26.47%
|
13.05%
|
8.74%
|
Equity
|
Janus Aspen Series - Janus Henderson Global Sustainable Equity
Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.87%*
|
23.32%
|
||
Equity
|
Janus Aspen Series - Janus Henderson Global Technology and
Innovation Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.97%
|
54.27%
|
20.05%
|
16.86%
|
Equity
|
Janus Aspen Series - Janus Henderson Overseas Portfolio: Service
Shares
Investment Advisor: Janus Henderson Investors US LLC
|
1.14%
|
10.58%
|
10.92%
|
3.38%
|
Equity
|
Legg Mason Partners Variable Equity Trust - ClearBridge Variable
Small Cap Growth Portfolio: Class II
Investment Advisor: Franklin Templeton Fund Advisor, LLC
Sub-Advisor: ClearBridge Investments, LLC
|
1.05%
|
8.12%
|
9.29%
|
7.62%
|
Fixed Income
|
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC
Investment Advisor: Lord, Abbett & Co. LLC
|
0.71%
|
6.34%
|
1.21%
|
1.83%
|
Equity
|
MFS® Variable Insurance Trust - MFS New Discovery Series: Service
Class
Investment Advisor: Massachusetts Financial Services Company
|
1.12%*
|
14.25%
|
10.81%
|
7.41%
|
Equity
|
MFS® Variable Insurance Trust - MFS Value Series: Service Class
Investment Advisor: Massachusetts Financial Services Company
|
0.94%*
|
7.63%
|
11.07%
|
8.25%
|
Equity
|
MFS® Variable Insurance Trust II - MFS International Growth
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
|
1.13%*
|
14.39%
|
9.20%
|
6.09%
|
Equity
|
MFS® Variable Insurance Trust II - MFS International Intrinsic Value
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
|
1.14%*
|
17.37%
|
8.31%
|
6.66%
|
Equity
|
MFS® Variable Insurance Trust II - MFS Research International
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
|
1.14%*
|
12.83%
|
8.23%
|
3.89%
|
Fixed Income
|
MFS® Variable Insurance Trust III - MFS Limited Maturity Portfolio:
Service Class
Investment Advisor: Massachusetts Financial Services Company
|
0.70%*
|
5.77%
|
2.01%
|
1.47%
|
Equity
|
MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio:
Service Class
Investment Advisor: Massachusetts Financial Services Company
|
1.04%*
|
12.39%
|
12.60%
|
8.46%
|
Equity
|
Morgan Stanley Variable Insurance Fund, Inc. - Global Infrastructure
Portfolio: Class II
Investment Advisor: Morgan Stanley Investment Management Inc.
|
1.12%*
|
4.27%
|
6.55%
|
4.98%
|
Equity
|
Morgan Stanley Variable Insurance Fund, Inc. - Growth Portfolio:
Class II
Investment Advisor: Morgan Stanley Investment Management Inc.
|
0.82%*
|
48.32%
|
10.95%
|
11.62%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Allocation
|
Nationwide Variable Insurance Trust - NVIT American Funds Asset
Allocation Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors
|
0.93%*
|
13.84%
|
8.79%
|
6.84%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT American Funds Bond
Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors
|
0.87%*
|
4.50%
|
1.49%
|
1.69%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds Global
Growth Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors
|
1.06%*
|
22.14%
|
13.21%
|
9.14%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds Growth
Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors
|
0.98%*
|
37.95%
|
18.22%
|
13.91%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds Growth-
Income Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors
|
0.91%*
|
25.68%
|
12.93%
|
10.49%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Amundi Multi Sector
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Amundi Asset Management, US
|
0.80%
|
8.70%
|
4.89%
|
3.75%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT AQR Large Cap
Defensive Style Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: AQR Capital Management, LLC
|
0.78%
|
8.27%
|
11.51%
|
10.11%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT BlackRock Equity
Dividend Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
1.05%*
|
11.77%
|
11.00%
|
8.19%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT BlackRock Managed
Global Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC and Nationwide
Asset Management, LLC
|
1.14%*
|
11.81%
|
5.54%
|
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
1.09%*
|
19.54%
|
11.17%
|
7.29%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Balanced
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.95%*
|
13.32%
|
6.70%
|
4.75%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital
Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
1.00%*
|
16.28%
|
8.91%
|
6.10%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.86%*
|
8.83%
|
3.53%
|
2.83%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed
Growth & Income Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
1.02%*
|
12.49%
|
5.00%
|
3.47%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed
Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
1.01%*
|
12.42%
|
6.39%
|
4.29%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.97%*
|
14.92%
|
7.93%
|
5.53%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
1.04%*
|
17.90%
|
10.14%
|
6.74%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.91%*
|
11.70%
|
5.70%
|
4.19%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT BNY Mellon Core Plus
Bond Fund: Class P
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Insight North America LLC
|
0.73%*
|
7.36%
|
1.98%
|
2.04%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Core Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
|
0.62%*
|
23.88%
|
15.51%
|
11.84%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class X
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
|
0.75%
|
9.00%
|
13.37%
|
9.18%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Calvert Equity Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Atlanta Capital Management Company, LLC
|
0.78%*
|
20.59%
|
10.98%
|
8.61%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Columbia Overseas
Value Fund: Class X
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Columbia Management Investment Advisers, LLC
|
0.88%
|
15.67%
|
7.33%
|
2.78%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT DoubleLine Total Return
Tactical Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: DoubleLine Capital LP
|
0.99%*
|
5.66%
|
0.19%
|
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Federated High Income
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company
|
0.91%*
|
13.13%
|
4.93%
|
4.15%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Government Money
Market Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company
|
0.47%
|
4.75%
|
1.60%
|
0.98%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT International Equity
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC
|
1.23%*
|
21.46%
|
8.40%
|
4.59%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT International Index Fund:
Class VIII
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.81%*
|
17.22%
|
7.48%
|
3.61%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Equity
|
Nationwide Variable Insurance Trust - NVIT Invesco Small Cap
Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Invesco Advisers, Inc.
|
1.09%
|
17.47%
|
11.52%
|
8.33%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.91%
|
19.38%
|
9.32%
|
6.73%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.86%
|
13.04%
|
5.59%
|
4.41%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.87%
|
16.38%
|
7.57%
|
5.72%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.86%
|
8.03%
|
2.64%
|
2.53%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth & Income Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.84%*
|
12.13%
|
4.11%
|
3.27%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.85%*
|
12.96%
|
5.64%
|
4.21%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.86%
|
14.72%
|
6.53%
|
5.08%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.88%
|
17.93%
|
8.43%
|
6.19%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
|
0.85%
|
11.25%
|
4.60%
|
3.83%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income
ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.72%*
|
5.22%
|
||
Equity
|
Nationwide Variable Insurance Trust - NVIT iShares® Global Equity
ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.73%*
|
20.48%
|
||
Equity
|
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap
Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc.
|
0.70%*
|
35.36%
|
23.08%
|
15.33%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
|
0.80%
|
5.69%
|
1.19%
|
1.10%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Managed American
Funds Asset Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.97%
|
17.22%
|
7.60%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Equity
|
Nationwide Variable Insurance Trust - NVIT Managed American
Funds Growth-Income Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.96%
|
24.31%
|
10.94%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.41%
|
16.06%
|
12.16%
|
8.86%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Cap
Value Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. and WCM Investment
Management, LLC
|
1.06%*
|
17.45%
|
11.06%
|
6.84%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small
Company Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. and Invesco Advisers,
Inc.
|
1.05%*
|
13.99%
|
13.31%
|
8.47%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT NS Partners International
Focused Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: NS Partners Ltd
|
0.98%*
|
15.67%
|
7.39%
|
3.76%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Real Estate Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Wellington Management Company LLP
|
0.92%*
|
12.88%
|
7.92%
|
6.97%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT S&P 500® Index Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.50%*
|
25.80%
|
15.14%
|
11.49%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.60%*
|
16.35%
|
9.45%
|
6.69%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Victory Capital Management Inc.
|
1.02%*
|
8.63%
|
9.93%
|
7.81%
|
Allocation
|
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor Class
Investment Advisor: PIMCO
Sub-Advisor: Research Affiliates, LLC
|
2.29%*
|
8.02%
|
5.90%
|
3.93%
|
Fixed Income
|
PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio:
Advisor Class
Investment Advisor: PIMCO
|
1.37%
|
11.00%
|
2.14%
|
2.68%
|
Fixed Income
|
PIMCO Variable Insurance Trust - Income Portfolio: Advisor Class
Investment Advisor: PIMCO
|
1.13%
|
8.14%
|
3.22%
|
|
Fixed Income
|
PIMCO Variable Insurance Trust - International Bond Portfolio (U.S.
Dollar-Hedged): Advisor Class
Investment Advisor: PIMCO
|
1.28%*
|
8.89%
|
1.54%
|
2.95%
|
Fixed Income
|
PIMCO Variable Insurance Trust - Real Return Portfolio: Advisor
Class
Investment Advisor: PIMCO
|
0.94%
|
3.57%
|
3.05%
|
2.15%
|
Fixed Income
|
PIMCO Variable Insurance Trust - Short-Term Portfolio: Advisor
Class
Investment Advisor: PIMCO
|
0.76%
|
5.80%
|
2.02%
|
1.77%
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Equity
|
Pioneer Variable Contracts Trust - Pioneer Fund VCT Portfolio: Class
II
Investment Advisor: Amundi Asset Management US, Inc.
|
1.05%
|
28.58%
|
16.45%
|
11.94%
|
Allocation
|
Putnam Variable Trust - Putnam VT George Putnam Balanced Fund:
Class IB
Investment Advisor: Putnam Investment Management, LLC
|
0.92%
|
19.90%
|
10.43%
|
8.03%
|
Equity
|
Putnam Variable Trust - Putnam VT International Equity Fund: Class
IB
Investment Advisor: Putnam Investment Management, LLC
|
1.10%
|
18.51%
|
9.05%
|
3.70%
|
Equity
|
Putnam Variable Trust - Putnam VT International Value Fund: Class
IB
Investment Advisor: Putnam Investment Management, LLC
|
1.13%
|
18.68%
|
9.70%
|
3.88%
|
Equity
|
Putnam Variable Trust - Putnam VT Large Cap Value Fund: Class IB
Investment Advisor: Putnam Investment Management, LLC
|
0.82%
|
15.67%
|
14.50%
|
10.26%
|
Equity
|
Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class
IB
Investment Advisor: Putnam Investment Management, LLC
|
0.90%
|
26.11%
|
16.09%
|
12.59%
|
Equity
|
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences
Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
|
1.11%
|
2.68%
|
10.96%
|
11.03%
|
Equity
|
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth
Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
Sub-Advisor: T. Rowe Price Investment Management, Inc.
|
1.09%*
|
19.63%
|
11.36%
|
10.22%
|
Equity
|
VanEck VIP Trust - VanEck VIP Global Resources Fund: Class S
Investment Advisor: Van Eck Associates Corporation
|
1.36%
|
-3.84%
|
10.34%
|
-1.26%
|
Equity
|
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real Estate
Securities Series: Class A
Investment Advisor: Virtus Investment Advisers, Inc.
Sub-Advisor: Duff & Phelps Investment Management Co., an affiliate of
VIA.
|
1.10%*
|
11.03%
|
8.55%
|
7.95%
|