The annuities unit at Prudential Financial Inc. will be using the concept of a “Retirement Red Zone” to promote sales of variable annuities.

The educational campaign will draw on the idea that portfolio problems during the 5 years before retirement and the 5 years after retirement can have a devastating effect on an investor’s post-retirement income.

Investors can hurt themselves as much by taking too few risks as they can by taking too many risks or not paying enough attention to their finances, according to Prudential, Newark, N.J.

Prudential has designed a seminar for individual investors and an educational campaign for financial professionals to explain the new concept, the company says.