Form 497VPU VARIABLE ANNUITY LIFE
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E-mailSUPPLEMENT DATED OCTOBER 30, 2026
TO THE PROSPECTUSES AND SUMMARY
PROSPECTUSES, EACH DATED May 1, 2026
THE VARIABLE ANNUITY LIFE INSURANCE COMPANY
SEPARATE ACCOUNT A
Fixed and Variable Deferred Annuity Contracts
Portfolio Director®
Series 1.00 to 12.00
This supplement updates certain information in Appendix A—Investment Options Available Under the Contract (“Appendix A”) for the above referenced prospectuses, updating summary prospectuses, and if applicable, initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.
In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $1,213. |
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $5,258. |
In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:
| • | In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%. |
| • | In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%. |
| • | In the “Examples” section, the following replaces the fee examples applicable to your Contract. |
The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses and optional benefits available for an additional charge. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,746 | $20,197 | $30,593 | $51,960 | |||
|
Series 2, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,732 | $20,157 | $30,531 | $51,849 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,243 | $15,691 | $26,087 | $51,849 | |||
Page 1 of 29
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5, 258 | $15,733 | $26,152 | $51,960 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,243 | $15,691 | $26,087 | $51,849 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,243 | $15,691 | $26,087 | $51,849 | |||
The second set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,823 | $11,674 | $16,623 | $25,005 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,809 | $11,633 | $16,552 | $24,873 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $2,181 | $6,733 | $11,552 | $24,873 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $2,195 | $6,776 | $11,623 | $25,005 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $2,181 | $6,733 | $11,552 | $24,873 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $2,181 | $6,733 | $11,552 | $24,873 | |||
Page 2 of 29
The third set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,898 | $8,825 | $11,625 | $14,620 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,884 | $8,781 | $11,553 | $14,480 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,213 | $3,781 | $6,553 | $14,480 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,228 | $3,825 | $6,625 | $14,620 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,213 | $3,781 | $6,553 | $14,480 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,213 | $3,781 | $6,553 | $14,480 | |||
Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:
| • | T. Rowe Price Retirement 2065 Fund - Advisor Class |
| • | T. Rowe Price Retirement 2070 Fund - Advisor Class |
Page 3 of 29
The following table replaces the current table in its entirety in Appendix A:
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Domestic Large-Cap Equity |
American Beacon Man Large Cap Growth Fund3, 5 – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% | None | 1.12% | 15.86% | 11.19% | 13.94% | |||||||
| Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.68% | None | 0.68% | 14.19% | 14.69% | 15.33% | ||||||||
| Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC |
0.67% | None | 0.67% | 18.21% | 11.55% | 10.40% | ||||||||
| Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock |
0.61% | None | 0.61% | 14.57% | 11.57% | 15.67% | ||||||||
| Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM |
0.68% | None | 0.68% | 9.81% | 10.02% | 14.27% | ||||||||
| Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock |
0.42% | None | 0.42% | 20.42% | 14.73% | 19.06% | ||||||||
| Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.22% | None | 0.22% | 17.55% | 14.08% | 14.46% | ||||||||
| Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: GSAM |
0.63% | None | 0.63% | 14.77% | 12.45% | 13.89% | ||||||||
| Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP |
0.64% | None | 0.64% | 17.66% | 10.29% | 14.83% | ||||||||
| Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.64% | None | 0.64% | 17.41% | 13.25% | 10.31% | ||||||||
| U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 14.73% | 11.77% | 12.91% | ||||||||
| Vanguard Windsor II Fund3 – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.33% | 0.25% | 0.58% | 18.56% | 12.89% | 12.61% | ||||||||
| Domestic Mid- Cap Equity |
Ariel Appreciation Fund3 – Investor Class Adviser: Ariel Investments, LLC |
1.15% | None | 1.15% | 11.11% | 7.57% | 7.95% | |||||||
| Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.73% | None | 0.73% | 11.34% | 7.88% | 13.56% | ||||||||
Page 4 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.81% | None | 0.81% | 7.23% | 10.19% | 9.29% | ||||||||
| Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
| Domestic Small-Cap Equity | Ariel Fund3 – Investor Class Adviser: Ariel |
1.01% | None | 1.01% | 14.15% | 9.36% | 9.51% | |||||||
| Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
| Small Cap Growth Fund2, 5 Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc. |
0.88% | None | 0.88% | 9.20% | -2.35% | 11.01% | ||||||||
| Small Cap Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
| Small Cap Value Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
| Global Equity (International and Domestic) |
Global Strategy Fund2, 5 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC |
0.63% | None | 0.63% | 20.73% | 7.18% | 5.85% | |||||||
| International Socially Responsible Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
| International Equity |
Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
| International Equities Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
| International Growth Fund2, 5 Adviser: VALIC Sub-Advisers: MSIM Inc. |
0.82% | None | 0.82% | 16.07% | 1.86% | 8.33% | ||||||||
| International Opportunities Fund2, 5 Adviser: VALIC Sub-Advisers: Invesco and Wellington Management |
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
| International Value Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC |
0.78% | None | 0.78% | 39.97% | 10.60% | 8.10% | ||||||||
| Specialty | Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. |
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
Page 5 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5 Adviser: Invesco Advisers, Inc. |
1.05% | None | 1.05% | 18.94% | 9.41% | 6.23% | ||||||||
| Science & Technology Fund2, 5 Adviser: VALIC Sub-Advisers: Voya IM and BlackRock |
0.91% | None | 0.91% | 22.57% | 11.59% | 18.92% | ||||||||
| Hybrid (Equity and Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
| Asset Allocation Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
| Conservative Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
| Dynamic Allocation Fund2, 5 Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. |
0.75% | None | 0.75% | 11.33% | 5.60% | 7.49% | ||||||||
| Moderate Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
| T. Rowe Price Retirement 2015 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.74% | None | 0.74% | 11.83% | 5.05% | 6.89% | ||||||||
| T. Rowe Price Retirement 2020 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.76% | None | 0.76% | 12.23% | 5.34% | 7.42% | ||||||||
| T. Rowe Price Retirement 2025 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.78% | None | 0.78% | 12.71% | 5.76% | 8.03% | ||||||||
| T. Rowe Price Retirement 2030 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.80% | None | 0.80% | 14.10% | 6.51% | 8.77% | ||||||||
| T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.83% | None | 0.83% | 15.84% | 7.42% | 9.50% | ||||||||
| T. Rowe Price Retirement 2040 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.84% | None | 0.84% | 17.16% | 8.17% | 10.12% | ||||||||
| T. Rowe Price Retirement 2045 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.85% | None | 0.85% | 18.23% | 8.77% | 10.55% | ||||||||
| T. Rowe Price Retirement 2050 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.87% | None | 0.87% | 18.53% | 8.95% | 10.63% | ||||||||
| T. Rowe Price Retirement 2055 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.88% | None | 0.88% | 18.70% | 8.97% | 10.63% | ||||||||
| T. Rowe Price Retirement 2060 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.63% | 8.96% | 10.62% | ||||||||
| T. Rowe Price Retirement 2065 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.61% | 9.11% | 10.90% | ||||||||
| T. Rowe Price Retirement 2070 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 21.26% | N/A | 22.55%* | ||||||||
| Vanguard LifeStrategy 40/60 Fund3, 4 – Investor Shares Adviser: The Vanguard Group, Inc. |
0.10% | 0.25% | 0.35% | 12.86% | 4.24% | 6.12% | ||||||||
Page 6 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Vanguard LifeStrategy 80/20 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 19.63% | 8.76% | 10.03% | ||||||||
| Vanguard LifeStrategy 60/40 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 16.24% | 6.49% | 8.09% | ||||||||
| Vanguard Wellington Fund3 – Investor Shares Adviser: Wellington Management |
0.25% | 0.25% | 0.50% | 16.48% | 9.28% | 10.02% | ||||||||
| Fixed Income | Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% | None | 0.48% | 7.64% | -0.16% | 2.36% | |||||||
| Goldman Sachs VIT Government Money Market Fund5 – Institutional Shares Adviser: Goldman Sachs |
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
| Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
| High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management Company LLP. |
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
| Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
| International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge Investments LLC. |
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
| Vanguard Long-Term Investment-Grade Fund3 – Investor Shares Advisers: Wellington Management and Vanguard |
0.21% | None | 0.21% | 7.18% | -3.74% | 2.68% | ||||||||
| Vanguard Long-Term Treasury Fund3 – Investor Shares Adviser: Vanguard |
0.20% | None | 0.20% | 5.54% | -7.30% | -0.04% | ||||||||
Page 7 of 29
SUPPLEMENT DATED OCTOBER 30, 2026
TO THE PROSPECTUSES AND SUMMARY
PROSPECTUSES, EACH DATED May 1, 2026
THE VARIABLE ANNUITY LIFE INSURANCE COMPANY
SEPARATE ACCOUNT A
Fixed and Variable Deferred Annuity Contracts
Portfolio Director®
Series 1.20 to 13.20
This supplement updates certain information in Appendix A—Investment Options Available Under the Contract (“Appendix A”) for the above referenced prospectuses, updating summary prospectuses, and if applicable, initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.
In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $.1,010. |
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $. 5,063. |
In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:
| • | In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%. |
| • | In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%. |
| • | In the “Examples” section, the following replaces the fee examples applicable to your Contract. |
The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses and optional benefits available for an additional charge. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,560 | $19,671 | $29,769 | $50,486 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,546 | $19,632 | $29,707 | $50,374 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,049 | $15,139 | $25,218 | $50,374 | |||
Page 8 of 29
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,063 | $15,180 | $25,284 | $50,486 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,049 | $15,139 | $25,218 | $50,374 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,049 | $15,139 | $25,218 | $50,374 | |||
The second set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,631 | $11,095 | $15,602 | $22,930 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,617 | $11,054 | $15,531 | $22,797 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,980 | $6,125 | $10,531 | $22,797 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,995 | $6,169 | $10,602 | $22,930 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,980 | $6,125 | $10,531 | $22,797 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,980 | $6,125 | $10,531 | $22,797 | |||
Page 9 of 29
The third set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,705 | $8,199 | $10,553 | $12,317 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,690 | $8,155 | $10,480 | $12,175 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,010 | $3,155 | $5,480 | $12,175 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,025 | $3,199 | $5,553 | $12,317 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,010 | $3,155 | $5,480 | $12,175 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,010 | $3,155 | $5,480 | $12,175 | |||
Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:
| • | T. Rowe Price Retirement 2065 Fund - Advisor Class |
| • | T. Rowe Price Retirement 2070 Fund - Advisor Class |
Page 10 of 29
The following table replaces the current table in its entirety in Appendix A:
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Domestic Large-Cap Equity |
American Beacon Man Large Cap Growth Fund3, 5 – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% | None | 1.12% | 15.86% | 11.19% | 13.94% | |||||||
| Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.68% | None | 0.68% | 14.19% | 14.69% | 15.33% | ||||||||
| Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC |
0.67% | None | 0.67% | 18.21% | 11.55% | 10.40% | ||||||||
| Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock |
0.61% | None | 0.61% | 14.57% | 11.57% | 15.67% | ||||||||
| Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM |
0.68% | None | 0.68% | 9.81% | 10.02% | 14.27% | ||||||||
| Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock |
0.42% | None | 0.42% | 20.42% | 14.73% | 19.06% | ||||||||
| Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.22% | None | 0.22% | 17.55% | 14.08% | 14.46% | ||||||||
| Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: GSAM |
0.63% | None | 0.63% | 14.77% | 12.45% | 13.89% | ||||||||
| Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP |
0.64% | None | 0.64% | 17.66% | 10.29% | 14.83% | ||||||||
| Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.64% | None | 0.64% | 17.41% | 13.25% | 10.31% | ||||||||
| U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 14.73% | 11.77% | 12.91% | ||||||||
| Vanguard Windsor II Fund3 – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.33% | 0.25% | 0.58% | 18.56% | 12.89% | 12.61% | ||||||||
| Domestic Mid- Cap Equity |
Ariel Appreciation Fund3 – Investor Class Adviser: Ariel Investments, LLC |
1.15% | None | 1.15% | 11.11% | 7.57% | 7.95% | |||||||
| Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.73% | None | 0.73% | 11.34% | 7.88% | 13.56% | ||||||||
Page 11 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.81% | None | 0.81% | 7.23% | 10.19% | 9.29% | ||||||||
| Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
| Domestic Small-Cap Equity | Ariel Fund3 – Investor Class Adviser: Ariel |
1.01% | None | 1.01% | 14.15% | 9.36% | 9.51% | |||||||
| Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
| Small Cap Growth Fund2, 5 Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc. |
0.88% | None | 0.88% | 9.20% | -2.35% | 11.01% | ||||||||
| Small Cap Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
| Small Cap Value Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
| Global Equity (International and Domestic) |
Global Strategy Fund2, 5 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC |
0.63% | None | 0.63% | 20.73% | 7.18% | 5.85% | |||||||
| International Socially Responsible Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
| International Equity |
Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
| International Equities Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
| International Growth Fund2, 5 Adviser: VALIC Sub-Advisers: MSIM Inc. |
0.82% | None | 0.82% | 16.07% | 1.86% | 8.33% | ||||||||
| International Opportunities Fund2, 5 Adviser: VALIC Sub-Advisers: Invesco and Wellington Management |
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
| International Value Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC |
0.78% | None | 0.78% | 39.97% | 10.60% | 8.10% | ||||||||
Page 12 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Specialty | Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. |
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
| Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5 Adviser: Invesco Advisers, Inc. |
1.05% | None | 1.05% | 18.94% | 9.41% | 6.23% | ||||||||
| Science & Technology Fund2, 5 Adviser: VALIC Sub-Advisers: Voya IM and BlackRock |
0.91% | None | 0.91% | 22.57% | 11.59% | 18.92% | ||||||||
| Hybrid (Equity and Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
| Asset Allocation Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
| Conservative Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
| Dynamic Allocation Fund2, 5 Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. |
0.75% | None | 0.75% | 11.33% | 5.60% | 7.49% | ||||||||
| Moderate Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
| T. Rowe Price Retirement 2015 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.74% | None | 0.74% | 11.83% | 5.05% | 6.89% | ||||||||
| T. Rowe Price Retirement 2020 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.76% | None | 0.76% | 12.23% | 5.34% | 7.42% | ||||||||
| T. Rowe Price Retirement 2025 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.78% | None | 0.78% | 12.71% | 5.76% | 8.03% | ||||||||
| T. Rowe Price Retirement 2030 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.80% | None | 0.80% | 14.10% | 6.51% | 8.77% | ||||||||
| T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.83% | None | 0.83% | 15.84% | 7.42% | 9.50% | ||||||||
| T. Rowe Price Retirement 2040 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.84% | None | 0.84% | 17.16% | 8.17% | 10.12% | ||||||||
| T. Rowe Price Retirement 2045 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.85% | None | 0.85% | 18.23% | 8.77% | 10.55% | ||||||||
| T. Rowe Price Retirement 2050 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.87% | None | 0.87% | 18.53% | 8.95% | 10.63% | ||||||||
| T. Rowe Price Retirement 2055 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.88% | None | 0.88% | 18.70% | 8.97% | 10.63% | ||||||||
| T. Rowe Price Retirement 2060 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.63% | 8.96% | 10.62% | ||||||||
| T. Rowe Price Retirement 2065 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.61% | 9.11% | 10.90% | ||||||||
Page 13 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| T. Rowe Price Retirement 2070 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 21.26% | N/A | 22.55%* | ||||||||
| Vanguard LifeStrategy 40/60 Fund3, 4 – Investor Shares Adviser: The Vanguard Group, Inc. |
0.10% | 0.25% | 0.35% | 12.86% | 4.24% | 6.12% | ||||||||
| Vanguard LifeStrategy 80/20 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 19.63% | 8.76% | 10.03% | ||||||||
| Vanguard LifeStrategy 60/40 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 16.24% | 6.49% | 8.09% | ||||||||
| Vanguard Wellington Fund3 – Investor Shares Adviser: Wellington Management |
0.25% | 0.25% | 0.50% | 16.48% | 9.28% | 10.02% | ||||||||
| Fixed Income | Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% | None | 0.48% | 7.64% | -0.16% | 2.36% | |||||||
| Goldman Sachs VIT Government Money Market Fund5 – Institutional Shares Adviser: Goldman Sachs |
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
| Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
| High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management Company LLP. |
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
| Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
| International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge Investments LLC. |
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
| Vanguard Long-Term Investment-Grade Fund3 – Investor Shares Advisers: Wellington Management and Vanguard |
0.21% | None | 0.21% | 7.18% | -3.74% | 2.68% | ||||||||
| Vanguard Long-Term Treasury Fund3 – Investor Shares Adviser: Vanguard |
0.20% | None | 0.20% | 5.54% | -7.30% | -0.04% | ||||||||
Page 14 of 29
SUPPLEMENT DATED OCTOBER 30, 2026
TO THE PROSPECTUSES AND SUMMARY
PROSPECTUSES, EACH DATED May 1, 2026
THE VARIABLE ANNUITY LIFE INSURANCE COMPANY
SEPARATE ACCOUNT A
Fixed and Variable Deferred Annuity Contracts
Portfolio Director®
Series 1.40 to 12.40
This supplement updates certain information in Appendix A—Investment Options Available Under the Contract (“Appendix A”) for the above referenced prospectuses, updating summary prospectuses, and if applicable, initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.
In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $807. |
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $4,868. |
In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:
| • | In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%. |
| • | In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%. |
| • | In the “Examples” section, the following replaces the fee examples applicable to your Contract. |
The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses and optional benefits available for an additional charge. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,374 | $19,143 | $28,938 | $48,979 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,360 | $19,103 | $28,875 | $48,866 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,854 | $14,583 | $24,341 | $48,866 | |||
Page 15 of 29
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,868 | $14,625 | $24,407 | $48,979 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,854 | $14,583 | $24,341 | $48,866 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,854 | $14,583 | $24,341 | $48,866 | |||
The second set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,439 | $10,513 | $14,571 | $20,810 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,425 | $10,472 | $14,499 | $20,674 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,778 | $5,513 | $9,499 | $20,674 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,793 | $5,557 | $9,571 | $20,810 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,778 | $5,513 | $9,499 | $20,674 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,778 | $5,513 | $9,499 | $20,674 | |||
Page 16 of 29
The third set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,510 | $7,570 | $9,469 | $9,963 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,496 | $7,525 | $9,395 | $9,820 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $807 | $2,525 | $4,395 | $9,820 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $822 | $2,570 | $4,469 | $9,963 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $807 | $2,525 | $4,395 | $9,820 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $807 | $2,525 | $4,395 | $9,820 | |||
Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:
| • | T. Rowe Price Retirement 2065 Fund - Advisor Class |
| • | T. Rowe Price Retirement 2070 Fund - Advisor Class |
Page 17 of 29
The following table replaces the current table in its entirety in Appendix A:
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Domestic Large-Cap Equity |
American Beacon Man Large Cap Growth Fund3, 5 – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% | None | 1.12% | 15.86% | 11.19% | 13.94% | |||||||
| Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.68% | None | 0.68% | 14.19% | 14.69% | 15.33% | ||||||||
| Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC |
0.67% | None | 0.67% | 18.21% | 11.55% | 10.40% | ||||||||
| Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock |
0.61% | None | 0.61% | 14.57% | 11.57% | 15.67% | ||||||||
| Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM |
0.68% | None | 0.68% | 9.81% | 10.02% | 14.27% | ||||||||
| Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock |
0.42% | None | 0.42% | 20.42% | 14.73% | 19.06% | ||||||||
| Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.22% | None | 0.22% | 17.55% | 14.08% | 14.46% | ||||||||
| Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: GSAM |
0.63% | None | 0.63% | 14.77% | 12.45% | 13.89% | ||||||||
| Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP |
0.64% | None | 0.64% | 17.66% | 10.29% | 14.83% | ||||||||
| Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.64% | None | 0.64% | 17.41% | 13.25% | 10.31% | ||||||||
| U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 14.73% | 11.77% | 12.91% | ||||||||
| Vanguard Windsor II Fund3 – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.33% | 0.25% | 0.58% | 18.56% | 12.89% | 12.61% | ||||||||
| Domestic Mid- Cap Equity |
Ariel Appreciation Fund3 – Investor Class Adviser: Ariel Investments, LLC |
1.15% | None | 1.15% | 11.11% | 7.57% | 7.95% | |||||||
| Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.73% | None | 0.73% | 11.34% | 7.88% | 13.56% | ||||||||
Page 18 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.81% | None | 0.81% | 7.23% | 10.19% | 9.29% | ||||||||
| Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
| Domestic Small-Cap Equity | Ariel Fund3 – Investor Class Adviser: Ariel |
1.01% | None | 1.01% | 14.15% | 9.36% | 9.51% | |||||||
| Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
| Small Cap Growth Fund2, 5 Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc. |
0.88% | None | 0.88% | 9.20% | -2.35% | 11.01% | ||||||||
| Small Cap Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
| Small Cap Value Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
| Global Equity (International and Domestic) |
Global Strategy Fund2, 5 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC |
0.63% | None | 0.63% | 20.73% | 7.18% | 5.85% | |||||||
| International Socially Responsible Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
| International Equity |
Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
| International Equities Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
| International Growth Fund2, 5 Adviser: VALIC Sub-Advisers: MSIM Inc. |
0.82% | None | 0.82% | 16.07% | 1.86% | 8.33% | ||||||||
| International Opportunities Fund2, 5 Adviser: VALIC Sub-Advisers: Invesco and Wellington Management |
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
| International Value Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC |
0.78% | None | 0.78% | 39.97% | 10.60% | 8.10% | ||||||||
Page 19 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Specialty | Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. |
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
| Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5 Adviser: Invesco Advisers, Inc. |
1.05% | None | 1.05% | 18.94% | 9.41% | 6.23% | ||||||||
| Science & Technology Fund2, 5 Adviser: VALIC Sub-Advisers: Voya IM and BlackRock |
0.91% | None | 0.91% | 22.57% | 11.59% | 18.92% | ||||||||
| Hybrid (Equity and Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
| Asset Allocation Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
| Conservative Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
| Dynamic Allocation Fund2, 5 Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. |
0.75% | None | 0.75% | 11.33% | 5.60% | 7.49% | ||||||||
| Moderate Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
| T. Rowe Price Retirement 2015 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.74% | None | 0.74% | 11.83% | 5.05% | 6.89% | ||||||||
| T. Rowe Price Retirement 2020 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.76% | None | 0.76% | 12.23% | 5.34% | 7.42% | ||||||||
| T. Rowe Price Retirement 2025 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.78% | None | 0.78% | 12.71% | 5.76% | 8.03% | ||||||||
| T. Rowe Price Retirement 2030 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.80% | None | 0.80% | 14.10% | 6.51% | 8.77% | ||||||||
| T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.83% | None | 0.83% | 15.84% | 7.42% | 9.50% | ||||||||
| T. Rowe Price Retirement 2040 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.84% | None | 0.84% | 17.16% | 8.17% | 10.12% | ||||||||
| T. Rowe Price Retirement 2045 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.85% | None | 0.85% | 18.23% | 8.77% | 10.55% | ||||||||
| T. Rowe Price Retirement 2050 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.87% | None | 0.87% | 18.53% | 8.95% | 10.63% | ||||||||
| T. Rowe Price Retirement 2055 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.88% | None | 0.88% | 18.70% | 8.97% | 10.63% | ||||||||
| T. Rowe Price Retirement 2060 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.63% | 8.96% | 10.62% | ||||||||
| T. Rowe Price Retirement 2065 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.61% | 9.11% | 10.90% | ||||||||
Page 20 of 29
|
Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| T. Rowe Price Retirement 2070 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 21.26% | N/A | 22.55%* | ||||||||
| Vanguard LifeStrategy 40/60 Fund3, 4 – Investor Shares Adviser: The Vanguard Group, Inc. |
0.10% | 0.25% | 0.35% | 12.86% | 4.24% | 6.12% | ||||||||
| Vanguard LifeStrategy 80/20 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 19.63% | 8.76% | 10.03% | ||||||||
| Vanguard LifeStrategy 60/40 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 16.24% | 6.49% | 8.09% | ||||||||
| Vanguard Wellington Fund3 – Investor Shares Adviser: Wellington Management |
0.25% | 0.25% | 0.50% | 16.48% | 9.28% | 10.02% | ||||||||
| Fixed Income | Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% | None | 0.48% | 7.64% | -0.16% | 2.36% | |||||||
| Goldman Sachs VIT Government Money Market Fund5 – Institutional Shares Adviser: Goldman Sachs |
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
| Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
| High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management Company LLP. |
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
| Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
| International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge Investments LLC. |
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
| Vanguard Long-Term Investment-Grade Fund3 – Investor Shares Advisers: Wellington Management and Vanguard |
0.21% | None | 0.21% | 7.18% | -3.74% | 2.68% | ||||||||
| Vanguard Long-Term Treasury Fund3 – Investor Shares Adviser: Vanguard |
0.20% | None | 0.20% | 5.54% | -7.30% | -0.04% | ||||||||
Page 21 of 29
SUPPLEMENT DATED OCTOBER 30, 2026
TO THE PROSPECTUSES AND SUMMARY
PROSPECTUSES, EACH DATED May 1, 2026
THE VARIABLE ANNUITY LIFE INSURANCE COMPANY
SEPARATE ACCOUNT A
Fixed and Variable Deferred Annuity Contracts
Portfolio Director®
Series 1.60 to 12.60
This supplement updates certain information in Appendix A—Investment Options Available Under the Contract (“Appendix A”) for the above referenced prospectuses, updating summary prospectuses, and if applicable, initial summary prospectuses (collectively, the “Prospectus”). Except as indicated in this supplement, all other information included in the Prospectus and Appendix A, including the footnotes, remains unchanged. You should read this supplement in conjunction with your Prospectus and retain it for future reference. All capitalized terms used but not defined herein have the same meaning as those included in the Prospectus.
In the “Key Information: Important Information You Should Consider About the Contract” section, the following changes are made:
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the minimum fee for Investment Options is 0.19% and the Lowest Annual Cost is $603. |
| • | In the “Ongoing Fees and Expenses (annual charges)” section of the “FEES AND EXPENSES” table, the maximum fee for Investment Options is 1.15% and the Highest Annual Cost is $4,673. |
In the “Fee Tables” section in the prospectus and the “Additional Information About Fees” section in the initial summary prospectus, the following changes are made:
| • | In the “Annual Fund Expenses” table, the minimum Annual Fund Expenses is 0.19%. |
| • | In the “Annual Fund Expenses” table, the maximum Annual Fund Expenses is 1.15%. |
| • | In the “Examples” section, the following replaces the fee examples applicable to your Contract. |
The first set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses and optional benefits available for an additional charge. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,188 | $18,611 | $28,097 | $47,438 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $9,174 | $18,571 | $28,034 | $47,323 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,658 | $14,023 | $23,455 | $47,323 | |||
Page 22 of 29
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,673 | $14,065 | $23,521 | $47,438 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,658 | $14,023 | $23,455 | $47,323 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $4,658 | $14,023 | $23,455 | $47,323 | |||
The second set of examples assumes the most expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,246 | $9,928 | $13,529 | $18,642 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $6,232 | $9,886 | $13,457 | $18,505 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,577 | $4,989 | $8,457 | $18,505 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,592 | $4,942 | $8,529 | $18,642 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,577 | $4,898 | $8,457 | $18,505 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $1,577 | $4,898 | $8,457 | $18,505 | |||
Page 23 of 29
The third set of examples assumes the least expensive combination of annual Contract expenses and annual Portfolio Company expenses, with no optional benefits. Based on these assumptions, your costs would be:
(1) If you surrender your Contract at the end of the applicable time period:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,316 | $6,936 | $8,373 | $7,557 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $5,301 | $6,892 | $8,299 | $7,412 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $603 | $1,892 | $3,299 | $7,412 | |||
(2) If you annuitize your Contract or you do not surrender your Contract:
| Series 1 and 9 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $618 | $1,936 | $3,373 | $7,557 | |||
|
Series 3, 4, 5, 7, 8, and 10 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $603 | $1,892 | $3,299 | $7,412 | |||
|
Series 2, 6, 11, and 12 | ||||||
| 1 Year | 3 Years | 5 Years | 10 Years | |||
| $603 | $1,892 | $3,299 | $7,412 | |||
Effective immediately, the following Portfolio Companies are hereby available as investment options under the Contract:
| • | T. Rowe Price Retirement 2065 Fund - Advisor Class |
| • | T. Rowe Price Retirement 2070 Fund - Advisor Class |
Page 24 of 29
The following table replaces the current table in its entirety in Appendix A:
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Domestic Large-Cap Equity |
American Beacon Man Large Cap Growth Fund3, 5 – Investor Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% | None | 1.12% | 15.86% | 11.19% | 13.94% | |||||||
| Capital Appreciation Fund2 Adviser: VALIC Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.68% | None | 0.68% | 14.19% | 14.69% | 15.33% | ||||||||
| Dividend Value Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock Investment Management, LLC and ClearBridge Investments, LLC |
0.67% | None | 0.67% | 18.21% | 11.55% | 10.40% | ||||||||
| Growth Fund2, 5 Adviser: VALIC Sub-Advisers: BlackRock |
0.61% | None | 0.61% | 14.57% | 11.57% | 15.67% | ||||||||
| Large Cap Core Fund2 Adviser: VALIC Sub-Adviser: T. Rowe Price and JPMIM |
0.68% | None | 0.68% | 9.81% | 10.02% | 14.27% | ||||||||
| Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock |
0.42% | None | 0.42% | 20.42% | 14.73% | 19.06% | ||||||||
| Stock Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.22% | None | 0.22% | 17.55% | 14.08% | 14.46% | ||||||||
| Systematic Core Fund2, 5 Adviser: VALIC Sub-Adviser: GSAM |
0.63% | None | 0.63% | 14.77% | 12.45% | 13.89% | ||||||||
| Systematic Growth Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Wellington Management Company LLP |
0.64% | None | 0.64% | 17.66% | 10.29% | 14.83% | ||||||||
| Systematic Value Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.64% | None | 0.64% | 17.41% | 13.25% | 10.31% | ||||||||
| U.S. Socially Responsible Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 14.73% | 11.77% | 12.91% | ||||||||
| Vanguard Windsor II Fund3 – Investor Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.33% | 0.25% | 0.58% | 18.56% | 12.89% | 12.61% | ||||||||
Page 25 of 29
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Domestic Mid- Cap Equity |
Ariel Appreciation Fund3 – Investor Class Adviser: Ariel Investments, LLC |
1.15% | None | 1.15% | 11.11% | 7.57% | 7.95% | |||||||
| Mid Cap Strategic Growth Fund2 Adviser: VALIC Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.73% | None | 0.73% | 11.34% | 7.88% | 13.56% | ||||||||
| Mid Cap Value Fund2 Adviser: VALIC Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.81% | None | 0.81% | 7.23% | 10.19% | 9.29% | ||||||||
| Mid Cap Index Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 6.95% | 8.68% | 10.34% | ||||||||
| Domestic Small-Cap Equity | Ariel Fund3 – Investor Class Adviser: Ariel |
1.01% | None | 1.01% | 14.15% | 9.36% | 9.51% | |||||||
| Small Cap Core Fund2 Adviser: VALIC Sub-Adviser: Invesco Advisers, Inc. |
0.83% | None | 0.83% | -3.03% | 6.57% | 8.39% | ||||||||
| Small Cap Growth Fund2, 5 Adviser: VALIC Sub-Advisers: American Century Investment Management, Inc. and T. Rowe Price Associates, Inc. and T. Rowe Price Investment Management, Inc. |
0.88% | None | 0.88% | 9.20% | -2.35% | 11.01% | ||||||||
| Small Cap Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.36% | None | 0.36% | 12.23% | 5.69% | 9.27% | ||||||||
| Small Cap Value Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.85% | None | 0.85% | 12.16% | 9.55% | 8.54% | ||||||||
| Global Equity (International and Domestic) |
Global Strategy Fund2, 5 Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc. and Brandywine Global Investment Management LLC |
0.63% | None | 0.63% | 20.73% | 7.18% | 5.85% | |||||||
| International Socially Responsible Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.57% | None | 0.57% | 27.32% | 7.80% | 9.10% | ||||||||
| International Equity |
Emerging Economies Fund2 Adviser: VALIC Sub-Adviser: BlackRock |
0.99% | None | 0.99% | 30.11% | 4.19% | 8.04% | |||||||
| International Equities Index Fund2, 5 Adviser: VALIC Sub-Adviser: BlackRock |
0.39% | None | 0.39% | 30.81% | 8.47% | 7.82% | ||||||||
| International Growth Fund2, 5 Adviser: VALIC Sub-Advisers: MSIM Inc. |
0.82% | None | 0.82% | 16.07% | 1.86% | 8.33% | ||||||||
Page 26 of 29
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| International Opportunities Fund2, 5 Adviser: VALIC Sub-Advisers: Invesco and Wellington Management |
1.05% | None | 1.05% | 27.46% | 2.74% | 6.76% | ||||||||
| International Value Fund2, 5 Adviser: VALIC Sub-Advisers: GSAM and Columbia Management Investment Advisers, LLC |
0.78% | None | 0.78% | 39.97% | 10.60% | 8.10% | ||||||||
| Specialty | Global Real Estate Fund2 Adviser: VALIC Sub-Advisers: Duff & Phelps Investment Management Co. |
0.88% | None | 0.88% | 7.70% | 1.77% | 3.39% | |||||||
| Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5 Adviser: Invesco Advisers, Inc. |
1.05% | None | 1.05% | 18.94% | 9.41% | 6.23% | ||||||||
| Science & Technology Fund2, 5 Adviser: VALIC Sub-Advisers: Voya IM and BlackRock |
0.91% | None | 0.91% | 22.57% | 11.59% | 18.92% | ||||||||
| Hybrid (Equity and Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 16.94% | 8.73% | 9.38% | |||||||
| Asset Allocation Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.66% | None | 0.66% | 11.50% | 8.17% | 7.75% | ||||||||
| Conservative Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.60% | None | 0.60% | 11.79% | 4.34% | 5.85% | ||||||||
| Dynamic Allocation Fund2, 5 Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. |
0.75% | None | 0.75% | 11.33% | 5.60% | 7.49% | ||||||||
| Moderate Allocation Lifestyle Fund2, 5 Adviser: VALIC Sub-Adviser: JPMIM |
0.57% | None | 0.57% | 14.40% | 7.01% | 8.10% | ||||||||
| T. Rowe Price Retirement 2015 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.74% | None | 0.74% | 11.83% | 5.05% | 6.89% | ||||||||
| T. Rowe Price Retirement 2020 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.76% | None | 0.76% | 12.23% | 5.34% | 7.42% | ||||||||
| T. Rowe Price Retirement 2025 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.78% | None | 0.78% | 12.71% | 5.76% | 8.03% | ||||||||
| T. Rowe Price Retirement 2030 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.80% | None | 0.80% | 14.10% | 6.51% | 8.77% | ||||||||
| T. Rowe Price Retirement 2035 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.83% | None | 0.83% | 15.84% | 7.42% | 9.50% | ||||||||
| T. Rowe Price Retirement 2040 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.84% | None | 0.84% | 17.16% | 8.17% | 10.12% | ||||||||
Page 27 of 29
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| T. Rowe Price Retirement 2045 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.85% | None | 0.85% | 18.23% | 8.77% | 10.55% | ||||||||
| T. Rowe Price Retirement 2050 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.87% | None | 0.87% | 18.53% | 8.95% | 10.63% | ||||||||
| T. Rowe Price Retirement 2055 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.88% | None | 0.88% | 18.70% | 8.97% | 10.63% | ||||||||
| T. Rowe Price Retirement 2060 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.63% | 8.96% | 10.62% | ||||||||
| T. Rowe Price Retirement 2065 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 18.61% | 9.11% | 10.90% | ||||||||
| T. Rowe Price Retirement 2070 Fund3 – Advisor Class Adviser: T. Rowe Price |
0.89% | None | 0.89% | 21.26% | N/A | 22.55%* | ||||||||
| Vanguard LifeStrategy 40/60 Fund3, 4 – Investor Shares Adviser: The Vanguard Group, Inc. |
0.10% | 0.25% | 0.35% | 12.86% | 4.24% | 6.12% | ||||||||
| Vanguard LifeStrategy 80/20 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 19.63% | 8.76% | 10.03% | ||||||||
| Vanguard LifeStrategy 60/40 Fund3, 4 – Investor Shares Adviser: Vanguard |
0.10% | 0.25% | 0.35% | 16.24% | 6.49% | 8.09% | ||||||||
| Vanguard Wellington Fund3 – Investor Shares Adviser: Wellington Management |
0.25% | 0.25% | 0.50% | 16.48% | 9.28% | 10.02% | ||||||||
| Fixed Income | Core Bond Fund2 Adviser: VALIC Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% | None | 0.48% | 7.64% | -0.16% | 2.36% | |||||||
| Goldman Sachs VIT Government Money Market Fund5 – Institutional Shares Adviser: Goldman Sachs |
0.18% | None | 0.18% | 4.20% | 3.18% | 2.11% | ||||||||
| Government Securities Fund2 Adviser: VALIC Sub-Adviser: JPMIM |
0.56% | None | 0.56% | 6.66% | -0.49% | 1.41% | ||||||||
| High Yield Bond Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management Company LLP. |
0.68% | None | 0.68% | 9.37% | 4.20% | 5.92% | ||||||||
| Inflation Protected Fund2, 5 Adviser: VALIC Sub-Adviser: Wellington Management |
0.53% | None | 0.53% | 6.00% | 1.06% | 2.86% | ||||||||
| International Government Bond Fund2 Adviser: VALIC Sub-Adviser: PineBridge Investments LLC. |
0.77% | None | 0.77% | 9.15% | -2.01% | 1.64% | ||||||||
Page 28 of 29
| Type/Investment Objective |
Portfolio Company and Adviser/Subadviser(s)1 | Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2025) | |||||||||
| 1 Year | 5 Year | 10 Year (or life of fund) | ||||||||||||
| Vanguard Long-Term Investment-Grade Fund3 – Investor Shares Advisers: Wellington Management and Vanguard |
0.21% | None | 0.21% | 7.18% | -3.74% | 2.68% | ||||||||
| Vanguard Long-Term Treasury Fund3 – Investor Shares Adviser: Vanguard |
0.20% | None | 0.20% | 5.54% | -7.30% | -0.04% | ||||||||
Page 29 of 29
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StreetInsider.com Top Tickers, 11/2/2026
- US stocks set for higher open as AI trade steadies; midterms in focus
- Marvell agrees $115 billion all-stock deal to buy Lumentum
- Oil drops more than 4% on talks aimed at ending US-Iran war
- Why has the market become so unforgiving of AI earnings?
- EchoStar rises on report SpaceX in talks to buy Boost Mobile or tap its network
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