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.

There are two types of IRAs:

  • Traditional IRA - A traditional IRA is a type of retirement plan that allows earnings to grow tax-deferred and the possibility of tax-deductible contributions. Tax-deductible payments have eligibility requirements based on income, filing status and participation in other retirement plans. You don't pay income taxes on tax-deductible IRA contributions or any earnings until you withdraw money, which is usually at retirement.

    Similar to other retirement plans, IRAs have annual contribution limits. The annual contribution limits for IRAs are significantly lower than 403(b) or 457(b) plans. Your total payments to Roth and traditional IRAs may not exceed the limit established by the IRS for that year.
  • Roth IRA - A Roth IRA is a type of IRA where earnings are tax-deferred and contributions are not tax-deductible. In addition, if certain conditions are met, the earnings will be tax-free. To establish a Roth IRA, you must meet income eligibility requirements.

    Roth IRAs have annual contribution limits that are the same as traditional IRAs and can be further limited if payments are also made to a traditional IRA. Your total payments to Roth and traditional IRAs may not exceed the limit established by the IRS for that year.

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.

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.

Contact an Agent

Horace Mann Retirement Advantage™ Investment Option Information

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
Vanguard Target Retirement 2025 Inv VTTVX
Vanguard Target Retirement 2030 Inv VTHRX
Vanguard Target Retirement 2035 Inv VTTHX
Vanguard Target Retirement 2040 Inv VFORX
Vanguard Target Retirement 2045 Inv VTIVX
Vanguard Target Retirement 2050 Inv VFIFX
Vanguard Target Retirement 2055 Inv VFFVX
Vanguard Target Retirement 2060 Inv VTTSX
Vanguard Target Retirement Income Inv VTINX

Allocation--15% to 30% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Income Inv VASIX

Allocation--30% to 50% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Cnsrv Gr Inv VSCGX

Allocation--50% to 70% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Moderate Gr Inv VSMGX

Allocation--70% to 85% Equity

Fund Description Fund ID Prospectus
Vanguard LifeStrategy Growth Inv VASGX

Large Value

Fund Description Fund ID Prospectus
JPMorgan Equity Income I HLIEX
LSV Value Equity LSVEX
MFS Value R6 MEIKX

Large Blend

Fund Description Fund ID Prospectus
JPMorgan US Equity I JUESX
MFS Blended Research Core Equity R6 MUEVX
American Funds Investment Company of America F3 FFICX
Vanguard 500 Index Admiral VFIAX
Nuveen Santa Barbara Dividend Growth R6 NSBFX

Large Growth

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

Mid-Cap Value

Fund Description Fund ID Prospectus
MFS Mid Cap Value R6 MVCKX
Victory Sycamore Established Value R6 VEVRX
Wells Fargo Special Mid Cap Value R6 WFPRX

Mid-Cap Blend

Fund Description Fund ID Prospectus
Aberdeen Mid Cap US Equity GUEIX
Vanguard Extended Market Idx Adm VEXAX
Vanguard Mid Cap Index Adm VIMAX

Mid-Cap Growth

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

Small Value

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

Small Blend

Fund Description Fund ID Prospectus
DFA US Small Cap I DFSTX
T. Rowe Price Small-Cap Value I PRVIX
Vanguard Small Cap Index Adm VSMAX

Small Growth

Fund Description Fund ID Prospectus
Prudential Jennison Small Company Q PJSQX
Vanguard Explorer Adm VEXRX

World Stock

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

Foreign Large Value

Fund Description Fund ID Prospectus
American Beacon Intl Equity Instl AAIEX
DFA International Value I DFIVX
Schroder International Multi-Cap Val R6 SIDRX
JPMorgan International Val I JIESX

Foreign Large Blend

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

Foreign Large Growth

Fund Description Fund ID Prospectus
MFS International Growth R6 MGRDX
Oppenheimer International Growth I OIGIX
American Funds Europacific Growth F3 FEUPX

Foreign Small/Mid Blend

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

Foreign Small/Mid Growth

Fund Description Fund ID Prospectus
Wasatch International Growth WIIGX

Diversified Emerging Mkts

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

Real Estate

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

Global Real Estate

Fund Description Fund ID Prospectus
DFA Global Real Estate Securities Port DFGEX
Prudential Global Real Estate Q PGRQX

Intermediate-Term Bond

Fund Description Fund ID Prospectus
BlackRock Total Return K MPHQX
Guggenheim Total Return Bond Instl GIBIX
JPMorgan Core Plus Bond I HLIPX
Prudential Total Return Bond Q PTRQX
Vanguard Total Bond Market Index Adm VBTLX

Inflation-Protected Bond

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

High Yield Bond

Fund Description Fund ID Prospectus
BlackRock High Yield Bond K BRHYX
Columbia Income Opportunities Y CIOYX
Vanguard High-Yield Corporate Adm VWEAX
Lord Abbett High Yield R6 LHYVX

World Bond

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

Fixed Annuity

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

This information regarding tax rules is not intended to be legal or tax advice. The factors which 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.

The Group Unallocated Fixed Annuity (GUFA) is issued by Horace Mann Life Insurance Company. The guarantees in the GUFA are provided by Horace Mann Life Insurance Company and are based on the financial stability of the company. The GUFA is not a mutual fund or other security.

Horace Mann Investors, Inc. offers mutual funds through accounts provided by MSCS Financial Services Division of Broadridge Business Process Outsourcing, LLC, a DE Limited Liability Company. Horace Mann Investors, Inc., member FINRA, is located at 1 Horace Mann Plaza, Springfield, IL 62715. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. You can receive prospectuses from your Horace Mann representative or by calling 800-677-2363. You should read the prospectuses carefully and consider the investment objectives, risks and 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.

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.

Custodial services are provided by Matrix Financial Solutions,717 17th Street, Denver, CO 80202. Recordkeeping and administration provided by Horace Mann Investors, Inc.

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


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