Target Date Funds. [CODE] [Expiration Date]

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Target Date Funds. [CODE] [Expiration Date]"

Transcription

1 Target Date Funds Investments and services offered through Morgan Stanley Smith Barney LLC, and accounts carried by Morgan Stanley & Co. Incorporated; members SIPC Morgan Stanley Smith Barney [CODE] [Expiration Date]

2 Why Are We Here Today? Define target date funds Examine how target date funds work Review the benefits of target date funds, as well as relevant considerations Examine factors that should be taken into consideration before investing in a target date fund 2

3 What Is a Target Date Fund? Grow and then preserve assets for a specific investment goal Asset allocation adjusted over time Move from focus on growth to focus on capital preservation Portfolio comprised of other mutual funds and/or exchange traded funds (ETFs)

4 The Target Date The investor selects a fund with a target date closest to his or her anticipated date of retirement. Target Date Expected Retirement Date

5 Risk and Return The objective is to optimize portfolio risk and return in order to achieve the fund s investment objective at the target date. Risk Return 5

6 Asset Allocation 6

7 The Glide Path Higher Risk and Return 2015 Lower

8 Example More Growth-Oriented More Income-Oriented Now: More growth oriented with a heavy weighting to equities Over Time: Gradually shifts to a more conservative allocation as the target date draws near Target Date: More conservative and income-oriented Stocks Bonds Cash Equivalents 8

9 Benefits Simplicity Single Investment Asset Allocation Diversification Automatic Rebalancing 9

10 Considerations No Guarantees Investment Risks Costs Use in the Portfolio Target Date Returns 10

11 Evaluating and Comparing Funds Risk/Return Profile Underlying Investments Fund Management After the Target Date 11

12 Risk/Return Profile Conservative Aggressive Catch-Up 25 5 XYZ 2025 Fund * 5 35 Asset Protection ABC 2025 Fund * Stocks Bonds Cash Equivalent * Hypothetical Funds 12

13 Underlying Investments ABC 2040 Fund * XYZ 2040 Fund * Equities Component ABC Large Cap Growth Fund 35% ABC Large Cap Value Fund 25% ABC Small Cap Growth Fund 10% ABC International 10% Total 80% Equities Component XYZ Large Cap Growth Fund 30% XYZ Large Cap Value Fund 15% XYZ Small Cap Growth Fund 20% XYZ International 15% Total 80% * Hypothetical Funds 13

14 Fund Management Target Date Fund Management Index vs. Actively Managed Underlying Funds 14

15 After the Target Date Convert to an income fund Gradually transition to an income fund over a period of several years Maintain an asset allocated portfolio including an allocation to equities 15

16 Comparing Performance Inadequacy of traditional benchmarks Long-term investment strategy Performance relative to other target date funds Performance of the underlying funds 16

17 The Prospectus Investment objective and strategy Underlying funds Risks Fees and expenses Performance information 17

18 Is a Target Date Fund Right for Me? Do I have the knowledge and/or time to implement and monitor the allocation of my investment portfolio? Am I comfortable with a target date fund as a single investment solution? Am I comfortable leaving control of investment decisions up to the fund manager? Do I have a good idea of when I would like to or be able to retire? Is the risk/return profile of the fund consistent with my investment objective and risk tolerance? Am I comfortable with the investment philosophy and management style of the fund manager? Am I comfortable with the underlying funds in which the fund invests? 18

19 Your Financial Advisor Team at Morgan Stanley Smith Barney Y:\Other\Get the Most Out of Your IRA ( ) 8/26/2010 Our Financial Advisors can provide: Access to intellectual strength and global resources of Morgan Stanley Smith Barney Financial solutions that address your specific needs and goals Name [First Name] [Last Name] Title Phone: Fax: Morgan Stanley Smith Barney, Morgan Stanley & Co. Incorporated and Morgan Stanley Smith Barney s Financial Advisors do not provide tax or legal advice, are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein, and this material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their tax or legal advisor before establishing a retirement plan or to understand the tax, ERISA and related consequences of any investments made under such plan. 19

Self-Directed Retirement Account. Expanding your retirement plan s investment options. smithbarney.com

Self-Directed Retirement Account. Expanding your retirement plan s investment options. smithbarney.com Self-Directed Retirement Account Expanding your retirement plan s investment options smithbarney.com When you give your employees access to a Self-Directed Retirement Account, you give them the ability

More information

Mutual Fund Advisory Program

Mutual Fund Advisory Program Mutual Fund Advisory Program GIVING YOU ACCESS TO A WIDE RANGE OF PROFESSIONALLY MANAGED MUTUAL FUND PORTFOLIOS THE MUTUAL FUND ADVISORY PROGRAM OFFERS YOU: > Access to actively managed investment solutions

More information

The essentials of investing for retirement.

The essentials of investing for retirement. The essentials of investing for retirement. Fidelity has been helping people invest for retirement for more than 65 years. Some investors use our actively managed and index mutual funds. Some use our powerful

More information

Morgan Stanley. R & R Partners. 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031. www.morganstanleyfa.com/rudowramos

Morgan Stanley. R & R Partners. 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031. www.morganstanleyfa.com/rudowramos R & R Partners 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031 www.morganstanleyfa.com/rudowramos 0 Table of Contents Our Mission Page 2 Wealth Management Page 3 Why R and R Partners? Page

More information

SEP or SIMPLE. Making the Right Decision for Your Business

SEP or SIMPLE. Making the Right Decision for Your Business SEP or SIMPLE Making the Right Decision for Your Business SEP or SIMPLE Similarities Who may establish? Any Self-Employed Individual, Partnership, S Corporation, Corporation, Tax Exempt Organization or

More information

UMA Model Portfolios Professional Advice for Your Unified Managed Account

UMA Model Portfolios Professional Advice for Your Unified Managed Account UMA Model Portfolios Professional Advice for Your Unified Managed Account B The introduction of unified managed accounts has helped many investors to consolidate and streamline their investment portfolios.

More information

PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS

PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS W2 HOME PAGE I HOME PAGE In recognition of the challenges that many American businesses and households face, Tim Webb and Jonah Weiss founded W2 Wealth

More information

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W.

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. Funds Class W Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. An all-in-one approach for simple investing. You may already know how important your workplace savings can

More information

The JMS Group At Morgan Stanley

The JMS Group At Morgan Stanley The JMS Group At Morgan Stanley Downtown Location West Side Location 33 E. Main Street, Suite 700 1241 John Q Hammons Drive Madison, WI 53703 Madison, WI 53717 (608) 283-2314 (608) 829-3260 Morgan Stanley

More information

Financial Strategies for the 21st Century

Financial Strategies for the 21st Century 2 The Life Cycle 2 The Wealth Management Model 3 Putting the Pieces Together online report consulting group Strategies for the 21st Century summary a brief introduction to managing your wealth While individuals

More information

Your guide to investing for retirement with Fidelity Freedom K Funds.

Your guide to investing for retirement with Fidelity Freedom K Funds. Fidelity Freedom K Funds Your guide to investing for retirement with Fidelity Freedom K Funds. An all-in-one approach for simple investing. You may already know how important your workplace savings can

More information

Target-date funds: the to versus through dilemma

Target-date funds: the to versus through dilemma November 14 Target-date funds: the to versus through dilemma Leo M. Zerilli, CIMA Head of Investments John Hancock Investments Recent U.S. Department of Labor guidance on target-date funds provides helpful

More information

An Easy and Low-Cost Retirement Plan For Your Small Business

An Easy and Low-Cost Retirement Plan For Your Small Business SEP-IRA SEP-IRAs can provide a substantial source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their eligible employees. An Easy and Low-Cost

More information

The Services Available to Your 401(k) Plan

The Services Available to Your 401(k) Plan The Services Available to Your 401(k) Plan Spectrum Group at Graystone Consulting a business of Morgan Stanley Smith Barney LLC Transforming Complex Challenges into Practical Strategies By offering your

More information

Business Executive Services. Making Wealth Work for the Business Executive

Business Executive Services. Making Wealth Work for the Business Executive Business Executive Services Making Wealth Work for the Business Executive Work Business Executive Services (BES) was created to help unleash the full power of your company s benefits and compensation programs.

More information

Your 401(k) Rollover Guide

Your 401(k) Rollover Guide Your 401(k) Rollover Guide The best approach to rollovers is often the simplest. A simple decision may make a big difference to your future. Whether you re changing jobs or retiring, leaving your employer

More information

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country.

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country. As a fully licensed professional for more than 20 years, Steven began his career in the financial services industry as a financial advisor at Smith Barney. In 2004, Steven joined Banc of America Investment

More information

Consulting Group: An Introduction

Consulting Group: An Introduction 2 Disciplined Investment Process 3 Investment Advisory Programs 5 Global Resources, Local Perspective product consulting group Consulting Group: An Introduction summary The last several years have proven

More information

Saving for Retirement. Your guide to getting on track.

Saving for Retirement. Your guide to getting on track. Saving for Retirement Your guide to getting on track. 2 It s great that you re looking ahead and thinking about retirement now. A sound plan can make all the difference in reaching your future goals. This

More information

529 College Savings Plans. Simply the Smart Way to Save for College

529 College Savings Plans. Simply the Smart Way to Save for College Bl 529 College Savings Plans Simply the Smart Way to Save for College What Could Be Smarter? There is no more precious gift you can give a child than a college education and a 529 plan is simply the smart

More information

Portfolio Presentation: Growth & Income and U.S. Diversified Equity

Portfolio Presentation: Growth & Income and U.S. Diversified Equity Portfolio Presentation: Growth & Income and U.S. Diversified Equity The above portfolios are available through the Morgan Stanley Portfolio Management program, managed by Portfolio Manager Bernard Semon

More information

Workplace Education Series. Making the Most of Your New Workplace Savings Plan

Workplace Education Series. Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Guiding you through exciting plan changes ahead Today s agenda: New plan features Steps to prioritizing

More information

Traditional and Roth IRAs

Traditional and Roth IRAs october 2012 Understanding Traditional and Roth IRAs summary An Individual Retirement Account (IRA) is a powerful savings vehicle that can help you meet your financial goals. As shown in the chart on page

More information

Fiduciary Guidelines for Foundation & Endowment Trustees

Fiduciary Guidelines for Foundation & Endowment Trustees 1 Legal and Regulatory Oversight 3 Selecting and Monitoring Investment Managers 2 Developing a Spending Policy 2 Investment Policy Statements 3 Administration and Records online report consulting group

More information

SIMPLE IRA. Savings Incentive Match Plan for Employees

SIMPLE IRA. Savings Incentive Match Plan for Employees SIMPLE IRA Savings Incentive Match Plan for Employees Introducing the SIMPLE IRA Plan A comfortable retirement is an important financial goal for many American workers. Some financial professionals estimate

More information

THE OHANA GROUP AT MORGAN STANLEY EMPLOYEE STOCK OPTION VALUATION

THE OHANA GROUP AT MORGAN STANLEY EMPLOYEE STOCK OPTION VALUATION THE OHANA GROUP AT MORGAN STANLEY EMPLOYEE STOCK OPTION VALUATION BRYAN GOULD, FINANCIAL ADVISOR, PORTFOLIO MANAGER TELEPHONE: (858) 643-5004 4350 La Jolla Village Drive, Suite 1000, San Diego, CA 92122

More information

Transfer Payout Annuities

Transfer Payout Annuities Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and

More information

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

More information

INVESTMENT POLICY STATEMENT Valued Client

INVESTMENT POLICY STATEMENT Valued Client INVESTMENT POLICY STATEMENT Valued Client August 17, 2010 PREPARED BY: John Ohl Bay Colony Advisors 91 Main St STE 308 Concord, Massachusetts 01742 (978) 369-7200 John@baycolonyadvisors.com www.baycolonyadvisors.com

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

TRANSFER PAYOUT ANNUITIES

TRANSFER PAYOUT ANNUITIES SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs

More information

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire

ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk

More information

Glossary of Investment Terms

Glossary of Investment Terms online report consulting group Glossary of Investment Terms glossary of terms actively managed investment Relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt

More information

Your Future Starts Today

Your Future Starts Today Your Future Starts Today with the Vought Savings and Investment Plan 2007 Vought Aircraft Industries, Inc. All Rights Reserved. Connect With Your Future Vought Aircraft Industries, Inc. Savings and Investment

More information

An IRA can put you in control of your retirement, whether you

An IRA can put you in control of your retirement, whether you IRAs: Powering Your Retirement One of the most effective ways to build and manage funds to help you meet your financial goals is through an Individual Retirement Account (IRA). An IRA can put you in control

More information

Unified Managed Accounts An Investor s Guide

Unified Managed Accounts An Investor s Guide Briefing Unified managed accounts provide a consolidated approach to asset allocation, investment selection, account administration and performance reporting. Unified Managed Accounts An Investor s Guide

More information

The Dubie Group at Morgan Stanley Smith Barney. The Services Available for Your Retirement Plan

The Dubie Group at Morgan Stanley Smith Barney. The Services Available for Your Retirement Plan The Dubie Group at Morgan Stanley Smith Barney The Services Available for Your Retirement Plan 5051 69 Swift Westheimer Street, 4th Road, Floor, Suite P.O. 2100 Box 1095 Houston, Burlington, TX VT 77056-5672

More information

The Basics of Annuities: Planning for Income Needs

The Basics of Annuities: Planning for Income Needs March 2013 The Basics of Annuities: Planning for Income Needs summary the facts of retirement Earning income once your paychecks stop that is, after your retirement requires preparing for what s to come

More information

The Basics of Annuities: Income Beyond the Paycheck

The Basics of Annuities: Income Beyond the Paycheck The Basics of Annuities: PLANNING FOR INCOME NEEDS TABLE OF CONTENTS Income Beyond the Paycheck...1 The Facts of Retirement...2 What Is an Annuity?...2 What Type of Annuity Is Right for Me?...2 Payment

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

TARGET DATE FUNDS? proof

TARGET DATE FUNDS? proof WHAT ARE TARGET DATE FUNDS? 2 YOUR RETIREMENT PLAN INCLUDES TARGET DATE FUNDS. They re the ones with 2020 or 2030 in their names. And they re an increasingly popular investment option. Indeed, target date

More information

72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA

72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA 72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA Millions of Americans have found Individual Retirement Accounts ( IRAs ) to be an attractive, tax-favored means of saving for retirement.

More information

Investing for your present and future financial

Investing for your present and future financial Advisor Select Investing for your present and future financial needs can seem overwhelming. It shouldn t be, and it doesn t have to be. Implementing a well-conceived investment strategy is vital to helping

More information

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach

Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach Keeping it Simple: Lifestyle Funds for Retirement Planning Retirement investors who suspect that things are more complicated than they used to be can take heart from the findings of a new study by American

More information

What Can a Variable Annuity Do for Your IRA? Enhancing Your Individual Retirement Account

What Can a Variable Annuity Do for Your IRA? Enhancing Your Individual Retirement Account B What Can a Variable Annuity Do for Your IRA? Enhancing Your Individual Retirement Account Your Individual Retirement Account (IRA) is an important component of your retirement planning strategy and one

More information

JPMorgan INVEST. You work hard for your money. Now keep it working for you with a JPMorgan Invest IRA. IRA Decision Guide

JPMorgan INVEST. You work hard for your money. Now keep it working for you with a JPMorgan Invest IRA. IRA Decision Guide IRA Decision Guide JPMorgan INVEST You work hard for your money. Now keep it working for you with a JPMorgan Invest IRA. JPMorgan Invest One Beacon Street, Boston, MA 0208 (800) 776-606 jpmorganinvest.com

More information

Target-Date Funds: The Search for Transparency

Target-Date Funds: The Search for Transparency Target-Date Funds: The Search for Transparency Presented by: Joachim Wettermark, Treasurer Salesforce.com, inc. Linda Ruiz-Zaiko, President Financial, Inc. Qualified Default Investment Alternative (QDIA)

More information

Vanguard Retirement Plan Access

Vanguard Retirement Plan Access Vanguard Retirement Plan Access Participant education programs to help maximize employee engagement Online access The most current retirement planning, saving, and investing information is available to

More information

Retirement Plan Distributions Choices & Opportunities

Retirement Plan Distributions Choices & Opportunities Retirement Plan Distributions Choices & Opportunities Leaving Your Job: Things to Think About» What you want to do next Work full time? Part time? Retire? How much will your lifestyle cost?» Continuing

More information

Your Future Begins Today

Your Future Begins Today JUNE 2014 Your Future Begins Today A practical guide to retirement investing TABLE OF CONTENTS Your employer has teamed with Morgan Stanley to provide you with a premium retirement savings program. What

More information

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program As an individual investor, you have access to more investment options than ever. With these choices,

More information

TARGET ALLOCATION FUNDS

TARGET ALLOCATION FUNDS madisonfunds.com Madison, Wisconsin Capitol Dome TARGET ALLOCATION FUNDS madisonfunds.com SIMPLIFY INVESTING Asset allocation, critical to investment success, is easy with Madison Funds: You receive: An

More information

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your

More information

Portfolio Management Consultants Perfecting the Portfolio

Portfolio Management Consultants Perfecting the Portfolio Portfolio Management Consultants Perfecting the Portfolio Envestnet PMC is the ultimate advisor to the advisor. Our goal is to help advisors strengthen relationships with their clients and improve outcomes

More information

SUITABLE PERFORMANCE COMPARISON CASE STUDIES

SUITABLE PERFORMANCE COMPARISON CASE STUDIES SUITABLE PERFORMANCE COMPARISON CASE STUDIES Case Study #1: Equity mutual fund investments compared to index performance benchmark A mutual fund investor had a medium risk tolerance, a growth investment

More information

Federal Tax and Capital Gains: Rates Over Time

Federal Tax and Capital Gains: Rates Over Time Preparing for a World of Higher Taxes Are You Ready? Presented by: Matt Sommer, CFP, CPWA, AIF Director and Senior Retirement Specialist, Retirement Strategy Group C-0610-114 4-30-11 Federal Tax and Capital

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

Financial Planning Basics Financial Planning Fundamentals

Financial Planning Basics Financial Planning Fundamentals Financial Planning Basics Financial Planning Fundamentals An Overview of the Financial Planning Process The Ground to Cover Setting goals Budgeting Emergency fund Insurance Using credit Investing Tax planning

More information

Are Second to Die Life Insurance Policies Worthwhile Investments?

Are Second to Die Life Insurance Policies Worthwhile Investments? ? Ronald L Fishbein Managing Director Wealth Advisor Senior Investment Management Consultant 702 King Farm Blvd. Ste. 500 Rockville, MD 20850 Ronald.L.Fishbein@morganstanley.com Background A second to

More information

Optional Asset Allocation program for participants

Optional Asset Allocation program for participants Richard Gagne Retirement Security Education 0207662 What is GoalMaker? Optional Asset Allocation program for participants Uses professional asset allocation modeling based on portfolios created by Morningstar

More information

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor Nicole Dickerson, CRPC Financial Advisor Chartered Retirement Planning Counselor 335 N. Maple Drive Suite 150 Beverly Hills, CA 90210 310-285-5665 / MAIN 800-669-4866 / TOLL-FREE 310-859-7245 / FAX http://fa.morganstanleyindividual.c

More information

INVESTMENT TERM GLOSSARY

INVESTMENT TERM GLOSSARY A Accrued Interest - Interest that has been earned but not yet credited to a bond or other fixed-income investment, such as a certificate of deposit. Active Management The use of professional investment

More information

Portfolio Selector. Client Name: Client Signature: Date:

Portfolio Selector. Client Name: Client Signature: Date: Portfolio Selector Client Name: Client Signature: Date: Axiom portfolio selector This questionnaire is designed to determine which Axiom Portfolio most accurately matches your investment profile, risk

More information

Target-Date Funds: It s Time to Take a Closer Look

Target-Date Funds: It s Time to Take a Closer Look Target-Date Funds: It s Time to Take a Closer Look Executive summary Over the past few years, retirement plans have seen significant changes in their investment structures, as well as the level of fiduciary

More information

SEI Aggressive Global Equity Portfolio

SEI Aggressive Global Equity Portfolio SEI Aggressive Global Equity Portfolio Investment Policy Statement INTRODUCTION An Investment Management Program will determine the right mix of investments for your personal situation in order to meet

More information

Investment Planning 101

Investment Planning 101 Investment Planning 101 Setting Your Goals How SMART Are Your Goals? Specific Measurable Attainable Relevant Timely Write down and prioritize your goals. An Emergency Fund Where you An emergency keep your

More information

Mutual Fund Basics. Types of mutual funds. What are the benefits of investing in a mutual fund?

Mutual Fund Basics. Types of mutual funds. What are the benefits of investing in a mutual fund? EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 New York, NY 212-269-2625 kevin@ebnyfinancial.com www.ebnyfinancial.com Mutual Fund Basics Page 1 of 5, see disclaimer

More information

Welcome! Thanks for investing your time today.

Welcome! Thanks for investing your time today. Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015

More information

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity s primary goal is to protect your principal while providing the highest

More information

Strategies for staying on track. throughout your retirement

Strategies for staying on track. throughout your retirement Strategies for staying on track throughout your retirement TIAA-CREF and you: Planning an income for life For nearly a century, we at TIAA-CREF have dedicated ourselves to helping those who serve others

More information

Wealth and Taxes: Planning for 2015

Wealth and Taxes: Planning for 2015 november 2014 Wealth and Taxes: Planning for 2015 2014 YEAR-END TAX PLANNING GUIDE Table of Contents Over the past few years, the traditional year-end tax planning season has been fraught with uncertainties

More information

Crawford Managed Income Strategy

Crawford Managed Income Strategy Crawford Managed Income Strategy A separately managed portfolio offering current income from individual securities Crawford Investment Counsel, Inc. Crawford Managed Income Strategy A separately managed

More information

Retirement tters Investment Strategies for Retirement. Summit Investment Advisors

Retirement tters Investment Strategies for Retirement. Summit Investment Advisors Retirement tters Investment Strategies for Retirement Summit Investment Advisors October 15, 2015 Financial Matters!"#$"% President Series Summit Investment Advisors CFP Summit Investment Advisors Securities

More information

Franklin LifeSmart Retirement Target Funds

Franklin LifeSmart Retirement Target Funds Investor s Guide Franklin LifeSmart Retirement Target Funds A SMARTER TARGET DATE FUND What is a Target Date Fund? Target date funds can provide a simple, single-investment solution for retirement investors

More information

Empower Retirement TM IRA

Empower Retirement TM IRA Empower Retirement TM IRA Whether you ve been a participant in an employer-sponsored group retirement plan, are new to retirement saving, or are just exploring other retirement savings options, the Empower

More information

Target Retirement Funds

Target Retirement Funds Target Retirement Funds Frequently Asked Questions FOR YOUR LIFE AND CAREER Target Retirement Funds Frequently Asked Questions What is a Target Retirement Fund? A Target Retirement Fund (often referred

More information

Wealth and Taxes: Planning for 2014

Wealth and Taxes: Planning for 2014 NOVEMBER 2013 Wealth and Taxes: Planning for 2014 2013 YEAR-END TAX PLANNING GUIDE TABLE OF CONTENTS On January 1, 2013, Congress passed the American Taxpayer Relief Act (ATRA), which addressed the scheduled

More information

Investor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15

Investor Profile Questionnaire. Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15 Investor Profile Questionnaire Client s Name: Advisor s Name: Date: Financial Goal: 4729-00A-JUNE15 Questionnaire 1. When will you need access to this investment portfolio, whether by way of regular withdrawals

More information

ING Lifetime Income Protection Program

ING Lifetime Income Protection Program ING Lifetime Income Protection Program A target date asset allocation program with a lifetime retirement income guarantee Your future. Made easier. As a result of ongoing market volatility many retirement

More information

Investor Profile Questionnaire

Investor Profile Questionnaire Investor Profile Questionnaire Making the right investment choice about your universal life investment portfolio always starts with an understanding of your personal goals and objectives. Working with

More information

CalPERS 457 Plan Target Retirement Date Funds

CalPERS 457 Plan Target Retirement Date Funds CalPERS 457 Plan Target Retirement Date s September 30, 2015 Overview Target Retirement Date s (the "" or "s") are a series of diversified funds, each of which has a predetermined underlying asset mix

More information

Retires in. Bob plans to retire in 2039. He s somewhat concerned about fluctuating investment values, so you could call him a balanced investor.

Retires in. Bob plans to retire in 2039. He s somewhat concerned about fluctuating investment values, so you could call him a balanced investor. Harmonized risk-adjusted target date funds Investing in your retirement has never been easier with Harmonized risk-adjusted target date funds. Think of risk-adjusted target date funds as a single-fund

More information

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials Tax-smart ways to save and invest TIAA-CREF Financial Essentials Today s agenda: 1. Finding funds for saving 2. Tax law provisions promoting saving 3. TIAA-CREF savings opportunities 4. TIAA-CREF can help

More information

The Law Firm Group at Morgan Stanley

The Law Firm Group at Morgan Stanley The Law Firm Group at Morgan Stanley 717 TEXAS AVENUE SUITE 3050 HOUSTON, TX 77002 713-658-2777 / MAIN 800-890-2774 / TOLL-FREE 713-658-2729 / FAX lawfirmgroup@mssb.com The Law Firm Group at Morgan Stanley

More information

Investment Policy Statements for Nonprofit Organizations

Investment Policy Statements for Nonprofit Organizations online report consulting group Investment Policy Statements for Nonprofit Organizations summary a template for prudent investment decisions As a nonprofit trustee, keeping your organization s portfolio

More information

INVEST EASILY FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. Prudential SmartSolution IRA Investment Guide

INVEST EASILY FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. Prudential SmartSolution IRA Investment Guide SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? INVEST EASILY FOR YOUR DAY ONE OF RETIREMENT AND BEYOND Prudential SmartSolution IRA Investment

More information

Define your goals. Understand your objectives.

Define your goals. Understand your objectives. Define your goals. Understand your objectives. As an investor, you are unique. Your financial goals, current financial situation, investment experience and attitude towards risk all help determine the

More information

your goals Investing to achieve

your goals Investing to achieve Investing to achieve your goals Whether it s for a comfortable retirement, a major purchase, or funding a child s education, or saving to leave a legacy, investing to achieve your goals and dreams takes

More information

Above~ the~line. Family Wealth Management. The Roeser Group

Above~ the~line. Family Wealth Management. The Roeser Group Above~ the~line Family Wealth Management The Roeser Group Above-the-line Wealth Management A fine line separates top financial professionals. Some are expert investment managers. Others are specialists

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Invest in the Future Life has significant moments. Making sure you re prepared for them is important. But what can you do when the pace of your life leaves you little time to

More information

Diversified Managed Allocations

Diversified Managed Allocations Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to

More information

Exchange Traded Funds A Brief Introduction

Exchange Traded Funds A Brief Introduction Exchange Traded Funds A Brief Introduction spdrs.com What You Need to Know about ETFs ETF Basics Potential Benefits of ETFs ETFs versus Mutual Funds The Role of ETFs in Your Portfolio Our Next Steps Frequently

More information

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts Traditional and Roth IRAs Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the

More information

Now newly enhanced new functionality, new analytics, more intuitive design

Now newly enhanced new functionality, new analytics, more intuitive design TARGET DATE COMPASS SM EVALUATE AND SELECT TARGET DATE FUNDS WITH GREATER KNOWLEDGE AND CONFIDENCE SM Now newly enhanced new functionality, new analytics, more intuitive design Target date funds have quickly

More information

Evaluating Target Date Funds. 2003 2013 Multnomah Group, Inc. All Rights Reserved.

Evaluating Target Date Funds. 2003 2013 Multnomah Group, Inc. All Rights Reserved. 2003 2013 Multnomah Group, Inc. All Rights Reserved. Scott Cameron, CFA Scott is the Chief Investment Officer for the Multnomah Group and a Founding Principal of the firm. In that role, Scott leads Multnomah

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready

More information

Transamerican Auto Parts 401k plan

Transamerican Auto Parts 401k plan Transamerican Auto Parts 401k plan There are many great benefits to being a participant in the Transamerican Auto Parts 401k plan. Among those benefits is exceptional customer service online, by phone,

More information

Transamerican Auto Parts 401k plan

Transamerican Auto Parts 401k plan Transamerican Auto Parts 401k plan There are many great benefits to being a participant in the Transamerican Auto Parts 401k plan. Among those benefits is exceptional customer service online, by phone,

More information

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA Solution Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA

More information