RETIREMENT PLANNING GUIDE. Getting you on the right track

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "RETIREMENT PLANNING GUIDE. Getting you on the right track"

Transcription

1 RETIREMENT PLANNING GUIDE Getting you on the right track

2 Table of Contents Why is a retirement plan important? 2 How much will you need? 4 How can your retirement plan help? 6 Where should you invest? 8 How can you develop an asset allocation strategy? 10 How can you stay involved? 12

3

4 Retirement The word means different things to different people. For some, it conjures up thoughts of travel, relaxation and recreational activities. For others, it means free time to start a new hobby, volunteer or take continuing education classes. No matter what your vision of retirement, there is one question that many people face: Will I have enough money to last throughout my retirement? In this guide, we provide a framework to help you develop a personal retirement plan one that can help you answer the question above and many others. We ll also explain how your company s retirement savings plan can help you reach your retirement goals. By the time you complete this guide, you should have a clear understanding of the challenges you ll face in saving for retirement and an action plan for meeting them. GOLDMAN SACHS ASSET MANAGEMENT 1

5 1Why is a retirement plan important? Investing enough money to make your retirement dreams a reality doesn t happen overnight. It takes years of disciplined saving, perseverance and a long-term investment plan. With a plan, you can determine how much money you may need throughout retirement and focus on how to achieve your financial goals. Helps you control your financial future When it comes to retirement planning, several factors are out of your control including taxes, inflation and the performance of financial markets. But, there are many elements that you can take charge of, including: n When to start saving for retirement n How much to save each year n Where to invest your savings n How to diversify your assets Deciding on the answers to these questions will help you make a serious commitment to your retirement future. Provides you with a disciplined and consistent savings approach Some people postpone retirement planning because they believe Social Security will be enough. However, Social Security is only expected to replace about 40% of income for the average wage earner.* The rest will come from personal savings including the money you save in your company's retirement plan. By starting early, you maximize the power of compounding. The more years you have until retirement, the easier it can be to procrastinate. With housing costs, saving for children s education expenses and vacations, putting money aside for retirement isn t a priority for many people. But, starting to save early is one of the most important factors in successful retirement planning. Consider the following example: Savings method (30 year time horizon) THE BENEFITS OF STARTING EARLY Starting Early Invest $3,000 annually for the first 8 years No additional contributions Procrastinating Do not invest for the first 8 years Invest $3,000 annually for the next 22 years Total amount saved $3,000 x 8 years = $24,000 $3,000 x 22 years = $66,000 Value at the end of 30 years $218,768 $148,268 % of end value from savings 11% 45% 2 2 GOLDMAN SACHS ASSET MANAGEMENT This hypothetical example assumes annual contributions of $3,000 at an annual 8% rate of return and does not account for taxes. It is for illustrative purposes only and is not indicative of any actual investment. Your return and principal value may be more or less than your original investment. * Source: Social Security Web Site, Social Security Bulletin vol 68 No 2, 2008

6 Allows you to remain invested in all market environments Investing over a longer period of time should also help you ride out the inevitable fluctuations that take place in the financial markets. Staying invested for the long term may reduce investment volatility over time. THE BENEFITS OF LONG-TERM INVESTING The Percentage of Time Stocks Posted a Positive Return Over Rolling Time Periods From % 75% 82% 100% 1-Year Periods 5-Year Periods 10-Year Periods 15-Year Periods Source: Goldman Sachs Asset Management. The returns for Time Tested Principles 2 and 3 are based on the S&P 500 Index. The S&P 500 Index is the Standard & Poor s 500 Composite Stock Prices Index of 500 stocks, an unmanaged index of common stock prices. The Index figures do not reflect any deduction for fees, expenses or taxes. It is not possible to invest directly in an unmanaged index. Past performance is not indicative of future results. And staying invested can prove beneficial to your portfolio s overall outcome. Average Annual Total Returns of the S&P 500 Index % 4.52% -1.80% Invested All 5,049 Days Minus 10 Best Days Minus 40 Best Days -6.52% Minus 70 Best Days Source: Goldman Sachs Asset Management. Calculation is based on 5,049 days, excluding weekends and holidays.

7 2How much will you need? Now that you ve seen the benefits of starting early and investing for the long term, it s time to determine how much you should consider saving for your retirement. Many financial experts suggest that to maintain your standard of living in retirement, you will need 70-80% of your final salary for each year of retirement.* While this percentage may appear high, consider those factors you can t control, such as inflation. If your investment returns don t stay ahead of inflation, your savings could diminish over time. Learn how to estimate your needs Although there are many ways to estimate how much you ll need to save for retirement each year, the worksheet below can help you make an estimate. First, estimate your retirement income gap. Your retirement income gap is the difference between what you ve currently saved for retirement and the amount you will actually need to save for a comfortable retirement First, how much income will you need in retirement? (For example, SALARY X.80) Experts suggest you will need 75%-85% of your working income to live comfortably in retirement. Depending on your personal situation, you may want to multiply your current income by more or less than this range. $ 2. Now, subtract the income you expect to receive annually from Social Security. Use the number from your Social Security Statement, or as a guide: If you currently earn under $25,000, enter $9,500. If you earn between $25,000 and $45,000, enter $12,500. If you earn over $45,000, enter $15, Next, subtract any other income sources. Include any pension plan or rental property income that you may have, or anticipated part-time income that you may earn in retirement. 4. The total is your Retirement Income Gap. Line 4 $ $ $ Next, estimate how much you need in savings the day you start your new life as a retiree. This is your Retirement Savings Goal Estimate the size of your Retirement Savings Goal amount you will need after you retire, if you expect to live: 20 years: Retirement Income Gap (line 4) x years: Retirement Income Gap (line 4) x years: Retirement Income Gap (line 4) x 18.3 Line 4 $ x $ = $ Line 5 *Source: Aon Consulting and the Georgia State University Center for Risk Management and Insurance Research, GOLDMAN SACHS ASSET MANAGEMENT

8 6. Next, take credit for what you have saved so far. Multiply your savings to date by the appropriate factor below. Using your Retirement Account Statement, include the savings in your Account Balance. Also include any money you currently have set aside in IRAs. Years to Retirement Multiply by Years to Retirement Multiply by Savings to Date $ x $ = $ Line 6 7. Now subtract line 6 from line 5. The result is your Retirement Savings Goal: $ $ = $ Line 5 Line 6 Goal 8. Figure your annual savings required to meet your Retirement Savings Goal. Multiply the total from line 7 by the appropriate factor below. $ x $ = $ Goal Line 8 Years to Retirement Multiply by Years to Retirement Multiply by Finally, calculate the PERCENTAGE amount you should contribute to your plan to meet your Retirement Savings Goal. Divide your line 8 total by your annual pay, then multiply by 100. Round your percentage UP to the nearest whole number. $ $ x 100 = % Line 8 Annual Pay Annual Contribution The factors used in this worksheet were developed by actuaries (people who crunch numbers for a living). Using these factors simplifies the amount of work you'll have to do. These factors assume a hypothetical average annual rate of return of 8% and an annual inflation rate of 4%. Rates of return do not reflect any specific investment or savings strategy. In the real world, most 401(k) investments will move up and down with the market over time, producing higher or lower actual returns. Returns are not guaranteed. This worksheet simplifies several retirement issues such as projected Social Security benefits and earnings assumptions on savings. You will definitely want to revisit this calculation at least annually as your salary and circumstances change. GOLDMAN SACHS ASSET MANAGEMENT 5

9 3How can your retirement plan help? With your estimated savings goal completed, the next step is to determine where that money will come from. Fortunately, your company s retirement plan can help. The plan offers a number of important benefits that can help you meet your retirement goals. Every dollar goes to work for you immediately Contributions to your company s retirement plan are made on a pre-tax basis. Simply put, that means that 100% of every dollar you contribute is invested in your account without first being subject to federal and, in most cases, state taxes. In contrast, consider your non-plan retirement savings. If you re in the 28% tax bracket, that dollar is whittled down to 72 cents before it can be invested. Over time, the difference between the $1.00 and 72 cents can be significant. Taxes are deferred so you can increase your savings Contributions to your retirement plan account come out of your paycheck before they get taxed. This helps to lower the taxes that are deducted from each paycheck. Consider the hypothetical example below: Your company s retirement plan can help you lower taxes and increase your savings. THE BENEFITS OF TAX-DEFERRAL Suzanne Melissa Invests Before Taxes Invests After Taxes Monthly Income $3,000 $3,000 Plan Contribution $200 0 Taxable Income $2,800 $3,000 Income Tax** -$784 -$840 After Tax Income $2,016 $2,160 After Tax Investment 0 $200 Net Take-Home Pay $2,016 $1,960 ** Assumes a 28% income tax rate. Does not take into account any state or local taxes. Savings potentially grow faster through compounding One of the most important investing concepts is the power of compounding. This benefit is even more valuable when your money compounds tax-free. And, when you save through your plan, all the earnings from your investments are automatically reinvested into your account. These earnings are not taxed until you make a withdrawal. When that time comes, you could be in a lower tax bracket than you were during your working years. 6 GOLDMAN SACHS ASSET MANAGEMENT

10 Your savings can potentially grow tax free while invested in the plan. $300, , , , ,000 THE BENEFITS OF COMPOUNDING $293,630 $192,391 50, Tax-deferred 5 Taxable Years This hypothetical example assumes annual investments of $2,400 with an 8% annual return. The investor in the taxable account is in the 28% tax bracket. This example is not intended to represent any actual investment. The value of your investment and return may vary. The return on the taxable investment may be more favorable due to the lower maximum tax rates on capital gains and dividends, thereby reducing the difference in performance between the accounts shown. Investment decisions are in your control Your company s retirement plan offers a variety of investment vehicles to choose from, and you have complete control in deciding how to invest your contributions. In addition, your plan allows you to easily change the way you allocate your investment dollars as your needs change. And, since your plan assets are invested on a tax-deferred basis, there are no tax consequences when you transfer between investments in the plan. 30 Contributions are automatic Once you sign up for your retirement plan, you don t have to remember to make contributions each pay period it s all done for you. Your employer handles the paperwork and makes sure contributions are deducted from your paycheck. That way, you can take advantage of all the benefits of investing in your plan automatically. Every little bit counts You may not think putting aside a few dollars a day can make a difference. But, over time, it adds up. Consider these hypothetical examples: Saving just a few dollars a day can add up over time. THE BENEFITS OF INCREMENTAL SAVINGS Accumulated assets at the age of 65 when the investment begins at Savings per day Age 25 Age 35 Age 45 $1.00 $102,120 $44,656 $18,039 $2.50 $255,300 $111,641 $45,098 $5.00 $510,600 $223,281 $90,197 $10.00 $1,021,201 $446,562 $180,394 This hypothetical example assumes an 8% annual return and does not account for taxes. It does not represent any actual investment. The value of your investment and return may vary. Note: Some of the plan features and benefits described in this section may not apply to your company s retirement plan. Please refer to your plan s disclosure document for further information. GOLDMAN SACHS ASSET MANAGEMENT 7

11 4Where should you invest? So far, you ve learned how much you may need to save for retirement and the benefits of participating in your company s retirement plan. Now you need to decide where to invest your money. Your company s retirement plan allows you to select from a variety of mutual funds. These funds can generally be grouped into three broad investment categories: stocks, bonds and cash. Each of these investments carries different risk and reward characteristics. TYPES OF INVESTMENTS Stocks Bonds Cash Risk/Reward Potential High Moderate Low Features Highest reward potential in return for highest risk/ volatility Moderate income potential with less risk/reward than stock funds Low potential in exchange for maximum stability Within each of these broad categories, there are a wide variety of investment options, which are often classified by the way they diversify their assets. For example, a stock fund may invest in U.S. large-cap growth stocks and a bond fund may invest in intermediate-term, investment grade government securities. In addition, there is another category of mutual funds called asset allocation funds. These investments allocate their assets among a number of mutual funds in order to seek a specific investment objective while potentially providing maximum diversification. Considering stocks for long-term growth Over shorter periods of time, day to day, month to month, even year to year stock prices and returns can fluctuate dramatically. However, with a long-term horizon, stocks and stock based mutual funds have historically offered investors the wealth-building potential. HOW STOCKS CAN BUILD WEALTH IN A CHANGING WORLD Total Return (includes dividends reinvested) $25,861,907 Reinvesting Dividends, a $22.7 Million Difference $10,000 A $10,000 investment from would have grown to... $25,861,907 if you reinvested dividends $3,188,739 if you did not reinvested dividends It s clear that dividend reinvestment can enhance the wealth building potential of your investments over the long term. 8 GOLDMAN SACHS ASSET MANAGEMENT This example is for illustrative purposes only and is not intended as investment advice. Past performance is no guarantee of future results. Your return and principal value may be more or less than your original investment. Stocks are represented by the Standard & Poor s (S&P) 500 Index, which is a market capitalization weighted price index composed of 500 widely held common stocks. Prices of common stocks will fluctuate with market conditions and may involve loss of principal when redeemed. Source: Goldman Sachs Asset Management as of 12/31/09. The returns of large-company stocks are based on the S&P 500 Index, a market-weighted, unmanaged index of 500 of the largest U.S. stocks in a variety of industry sectors. The yearly returns reflect dividends reinvested. The $3,188,739 value is derived using the S&P 500 Index values excluding dividends from from Morningstar. For all years prior to 1950, S&P Index returns excluding dividend reinvestment were not available

12 Remember to diversify It may be tempting to put all of your retirement assets in investments that have recently provided the strongest returns. But historically, the financial markets have continuously fluctuated. So, chasing today s best performing securities can be a losing proposition. That s why you should consider investing in a combination of mutual funds that have different investment objectives or invest in different asset classes for your retirement portfolio. This strategy is called diversification. Your goal should be to strike a balance of investments that can help you achieve your investment goals within your risk tolerance. Balance market fluctuations by diversifying your savings. Diversification does not protect an investor from market risk and does not ensure a profit. THE POTENTIAL BENEFITS OF DIVERSIFICATION U.S. Growth Stocks International Stocks Bonds Cash Past performance is no guarantee of future results. U.S. stocks are represented by the Russell 1000 Growth Index. International stocks are represented by the MSCI EAFE Index. Bonds are represented by Barclays Aggregate Bond Index. Cash is represented by the U.S. 0-3 Month Treasury Bill. These returns do not represent any mutual fund and it is not possible to invest directly in an index. Don t try to time the market With your company s retirement plan, you have the ability to change your investment options whenever you wish. But, you should use this feature with caution. It s tempting to react to short-term market events and lose sight of your longer-term retirement goal. Because the stock market can fluctuate significantly, you could miss out on significant gains by trying to time the market. Missing even a few days of strong performance can significantly reduce your returns.

13 5How can you develop an asset allocation strategy? Now that you have learned about the various types of investments, it s time to decide how to allocate your retirement plan assets among the options offered in your plan. Step 1: Determine your risk tolerance Before you begin to develop an asset allocation strategy, you should consider your risk tolerance. Complete the questionnaire below to determine whether you are a conservative, moderate or aggressive growth investor. Then refer to the asset allocation examples that follow to see how your risk profile may affect your investment strategy. - Points Place your point value here Total EVALUATE YOUR RISK TOLERANCE In how many years do you plan to retire? l 1-3 years l 4-5 years l 6-10 years l years l 16+ years Will you need more than one-third of your retirement savings in the next 10 years for a special financial need (e.g., buy a home, finance college)? l No l Yes, in 2-3 years l Yes, in 4-6 years l Yes, in 7-10 years What percentage of your total assets (excluding your home) is invested outside your company-sponsored retirement plan? l Less than 25% l 25-50% l 51-75% l More than 75% How would you rate your experience level with stocks, bonds and mutual funds? l No experience l Some experience l Fairly experienced l Very experienced When it comes to investing, how would you categorize yourself? Low l 1 l 2 l 3 l 4 l 5 l 6 l 7 l 8 l 9 I want to minimize fluctuations I am comfortable with some I want my investments to grow in value, even if my return may fluctuations in value for as much as possible, regardless be lower as a result somewhat better returns of possible fluctuations in value If exposing yourself to additional market risk would definitely increase your chances for higher returns, would you be: l Unlikely to take on more risk? l Willing to take on a little more risk with some of your money? l Willing to take a little more risk with all of your money? l Willing to take on a lot more risk with all of your money? Once you ve calculated your total points, match your score with the appropriate risk category: High Conservative Growth Moderate Growth Aggressive Growth This questionnaire is intended to serve only as a guide and the result should not be considered as investment advice. Please consult with your Investment Professional to discuss your specific investment needs. 10 GOLDMAN SACHS ASSET MANAGEMENT

14 Step 2: Diversify your assets When it comes to financial goals and investment selection, no two people are alike. And, neither are their asset allocation strategies. However, there are some general guidelines to consider when you decide which approach to take. n Generally speaking, the closer you move toward retirement, the less aggressive your overall portfolio may need to become. n Even during retirement, most financial experts recommend that you continue to include some growth investments in your portfolio to help you stay ahead of inflation. n If you re investing for the long term, be careful not to overemphasize cash investments in your portfolio. Because stocks and bonds generally do not react identically to the same economic, geographic or market events, combining these assets in different ways can produce more attractive risk-adjusted returns for different types of investors. Refer to the charts below to see some sample asset allocation strategies based on various risk tolerance levels. SAMPLE ASSET ALLOCATIONS Conservative Moderate Aggressive 20% 10% 70% 15% 20% 25% 60% 40% 40% 25% 20% 55% 35% 65% Cash Fixed Income Non-U.S. Equity U.S. Equity These examples are for illustrative purposes only and are not intended as investment advice. The asset allocation strategy you use should reflect your individual goals and risk tolerance. Step 3: Begin the allocation process At this point, you are ready to begin developing your personalized asset allocation strategy. To learn which investments are being offered in your company s retirement plan, refer to the listing contained in the accompanying enrollment materials. If you need further assistance in developing your asset allocation strategy, you may wish to consult with your Investment Professional. GOLDMAN SACHS ASSET MANAGEMENT 11

15 6How can you stay involved? After you have enrolled in your retirement plan, you should monitor your investments and periodically make adjustments if needed. Conduct annual check-ups Over time, you may want to adjust your retirement plan portfolio. This may be necessary for reasons including: n New retirement goals and objectives n A lifestyle change, such as the birth of a child, marriage or divorce n A shift in your retirement time frame n A change in your sensitivity to market risk n The performance of your investments n A shift in your portfolio s asset allocation mix due to market movements Consider getting help Track your performance There are many ways to track the investments in your plan account: Quarterly account statements Check your account balance, portfolio composition and other investment information. Web site Access your savings and review investment performance. You can also revise your investment allocation and change your contribution amount. Interactive voice response system Use the telephone to access the same information provided on the Web site. Newspaper Review fund performance information in the business section. As you ve seen, deciding how to invest your retirement savings requires your time and knowledge. Many investors choose to work with an experienced Investment Professional who can help analyze their needs and develop a personalized investment plan. An Investment Professional can also help you adjust your plan as needed and, in some cases, offer comprehensive services such as estate and tax planning. Start today You ve learned about the importance of developing a retirement plan and how starting early can help you to achieve your goals. Now, take the first step by enrolling in your retirement savings program. Enclosed you will find complete information on the plan, including details on your investment options. As you review these materials, speak with your Investment Professional if you have questions. 12 GOLDMAN SACHS ASSET MANAGEMENT

16 A prospectus for the Goldman Sachs Funds containing more complete information may be obtained from your investment representative or from Goldman, Sachs & Co. by calling Please consider a Fund s objectives, risks, and charges and expenses, and read the prospectus carefully before investing. The prospectus contains this and other information about the Fund. IRS Circular 230 Disclosure: Goldman Sachs does not provide legal, tax or accounting advice. Any statement contained in this communication (including any attachments) concerning U.S. tax matters is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties imposed on the relevant taxpayer. Clients of Goldman Sachs should obtain their own independent tax advice based on their particular circumstances. The S&P 500 Index is the Standard & Poor s 500 Composite Index of 500 stocks, an unmanaged index of common stock prices. The Index is unmanaged and the figures for the Index do not include any deduction for fees, expenses or taxes. It is not possible to invest directly in an unmanaged index. The Russell 1000 Growth Index is an unmanaged market capitalization weighted index of the 1000 largest U.S. companies with higher price-to-book ratios and higher forecasted growth values. The Index is unmanaged and the figures for the Index do not include any deduction for fees, expenses or taxes. It is not possible to invest directly in an unmanaged index. The unmanaged MSCI EAFE Index (unhedged) is a market capitalization-weighted composite of securities in 21 developed markets. The Index is unmanaged and the figures for the Index do not include any deduction for fees, expenses or taxes. It is not possible to invest directly in an unmanaged index. The Barclays Aggregate Bond Index represents an unmanaged diversified portfolio of fixed-income securities, including U.S. Treasuries, investment-grade corporate bonds, and mortgage-backed and asset-backed securities. The Index figures do not reflect any deduction for fees, expenses or taxes. It is not possible to invest directly in an unmanaged index. Goldman, Sachs & Co. is the distributor of the Goldman Sachs Funds. Copyright 2010 Goldman, Sachs & Co. All Rights Reserved. Date of First Use: April 1, MF.TMPL RETIMGUIDE/2.5K/04-10 NOT FDIC-INSURED May Lose Value No Bank Guarantee

The easy way to save for your retirement

The easy way to save for your retirement The easy way to save for your retirement If you want to live comfortably during your retirement, you really can t afford to wait to begin saving for that goal. And now that your employer is offering the

More information

Building Toward Retirement. A practical guide to growing your money.

Building Toward Retirement. A practical guide to growing your money. Building Toward Retirement A practical guide to growing your money. Starting to consider retirement more seriously? Now s the time to maximize your savings opportunities and maximize the growth of your

More information

Our time-tested approach to investing is very straightforward. And we re ready to make it work for you.

Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. What Works Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. Three important steps. Ten effective principles. Three important steps. Ten effective

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

Your future starts today.

Your future starts today. Your future starts today. Life can be complicated. Saving for retirement doesn t have to be. Congratulations! You have the opportunity to participate in an employer-sponsored retirement program. Important

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

A Guide to Planning for Retirement INVESTMENT BASICS SERIES

A Guide to Planning for Retirement INVESTMENT BASICS SERIES A Guide to Planning for Retirement INVESTMENT BASICS SERIES It s Never Too Early to Start What You Need to Know About Saving for Retirement Most of us don t realize how much time we may spend in retirement.

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

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

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity.

Start investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity. State of Maryland - Institutions of Higher Education Optional Retirement Plan (ORP) Plan No. 65575 Start investing in yourself today, with help from the State of Maryland - Institutions of Higher Education

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

_ Retirement. Planning for the Stages of. Getting started Your 20s and early 30s

_ Retirement. Planning for the Stages of. Getting started Your 20s and early 30s Planning for the Stages of _ Retirement _ Retirement is being reinvented. It s no longer our parent s retirement. Social Security alone w o n t see us through retirement, especially for higher income earners.

More information

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING EXPLORE Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING About this seminar Presentation > Provides comprehensive education > Includes action steps > Provides opportunity

More information

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity.

Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. University System of Maryland Supplemental 403(b) Plan (#65612) Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. Invest some of

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

Retirement on the. Brain. Your Retirement Plan: Don t pass up the perks

Retirement on the. Brain. Your Retirement Plan: Don t pass up the perks Retirement on the Brain Your Retirement Plan: Don t pass up the perks Retirement on the Brain Your Retirement Plan Understanding the advantages of your retirement plan is crucial in making wise savings

More information

Will You Be Ready for Retirement? Get prepared with your employer s retirement plan

Will You Be Ready for Retirement? Get prepared with your employer s retirement plan Will You Be Ready for Retirement? Get prepared with your employer s retirement plan WWW.AMERICANCENTURY.COM/WORKPLACE Will You Be Ready for Retirement? I ll start in a couple of years. I have plenty of

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

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

TAKE THE W HEE L. Retirement Savings Plan

TAKE THE W HEE L. Retirement Savings Plan TAKE THE W HEE L Retirement Savings Plan PG 1 The road to retirement is calling your name Retirement. For many people, it s a dream destination. But getting there can be a challenge. Financial experts

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

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

A Guide to. Planning for Retirement INVESTMENT BASICS SERIES

A Guide to. Planning for Retirement INVESTMENT BASICS SERIES A Guide to Planning for Retirement INVESTMENT BASICS SERIES It s Never Too Early to Start What You Need to Know About Saving for Retirement Most of us don t realize how much time we may spend in retirement.

More information

Vanguard Financial Education Series investing. How to invest your retirement savings

Vanguard Financial Education Series investing. How to invest your retirement savings Vanguard Financial Education Series investing How to invest your retirement savings During your working life, you ve saved and invested for retirement. Now that you re finally reaching retirement, consider

More information

Planning for the Stages of Retirement

Planning for the Stages of Retirement Planning for the Stages of Retirement The Financial Planning Association (FPA ) connects those who need, support and deliver financial planning. We believe that everyone is entitled to objective advice

More information

Investment Risk: Don t Avoid It Manage It!

Investment Risk: Don t Avoid It Manage It! Investment Risk: Don t Avoid It Manage It! Today s Agenda What is risk? Types of investment risk Investments that carry each type of risk Match personal goals with investments and risk levels Risk management

More information

Determining your investment mix

Determining your investment mix Determining your investment mix Ten minutes from now, you could know your investment mix. And if your goal is to choose investment options that you can be comfortable with, this is an important step. The

More information

Determining your investment mix.

Determining your investment mix. Determining your investment mix. Ten minutes from now, you could know your investment mix: And if your goal is to choose investment options that you can be comfortable with, this is an important step.

More information

Filling the Retirement Income Gap

Filling the Retirement Income Gap Filling the Retirement Income Gap A prospectus for the Fund containing more complete information may be obtained from your authorized dealer or from Goldman, Sachs & Co. by calling 800-526-7384. Please

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

Retirement Planning EMPLOYER PLANS CALCULATING YOUR NEEDS INVESTMENTS DECISIONS

Retirement Planning EMPLOYER PLANS CALCULATING YOUR NEEDS INVESTMENTS DECISIONS GOALS What You Should Know About... Retirement Planning EMPLOYER PLANS CALCULATING YOUR NEEDS INVESTMENTS DECISIONS YourMoneyCounts No matter who you are or how much money you have, you re probably hoping

More information

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps Investing 101 What you will learn today Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps 2 Asset Allocation One of Your Most Important

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

Retirement: Get Ready...1 Why planning makes sense...1 Where are you?...2 Getting Started: 20 s and early 30 s...3

Retirement: Get Ready...1 Why planning makes sense...1 Where are you?...2 Getting Started: 20 s and early 30 s...3 Retirement: Get Ready...1 Why planning makes sense...1 Where are you?...2 Getting Started: 20 s and early 30 s...3 On Your Way: Mid-30 s to early 40 s...4 Crunch Time: Mid-40 s to early 50 s...5 Just Around

More information

Investing for Your Financial Future

Investing for Your Financial Future Investing for Your Financial Future Saving now, while time is on your side, can help provide you with freedom to do what you want later in life. Investing for Your Financial Future Your financial future

More information

Create your plan Vanguard recommends saving 12% 15%. 7% is the average saving rate at Vanguard. Retirement income calculator How much income will you need in retirement? Are you on track? Compare

More information

Annuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities...

Annuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities... An Insider s Guide to Annuities Whatever your picture of retirement, the best way to get there and enjoy it once you ve arrived is with a focused, thoughtful plan. Introduction 2 What is an Annuity?...

More information

You ve worked hard for your savings. Now keep your savings working hard for you.

You ve worked hard for your savings. Now keep your savings working hard for you. You ve worked hard for your savings. Now keep your savings working hard for you. Retire with confidence A guide to your distribution options. You are now faced with an important financial decision When

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

Investment Policy Questionnaire

Investment Policy Questionnaire Investment Policy Questionnaire Name: Date: Ferguson Investment Services, PLLC Investment Policy Questionnaire Introduction: The information you provide on this questionnaire will remain confidential.

More information

Learn how your financial advisor adds value. Investor education

Learn how your financial advisor adds value. Investor education Learn how your financial advisor adds value Investor education The value of partnership Many people find it difficult to invest on their own, particularly as they amass wealth and their financial situations

More information

Learn how your financial advisor adds value. Investor education

Learn how your financial advisor adds value. Investor education Learn how your financial advisor adds value Investor education The value of partnership Many people find it difficult to invest on their own, particularly as they amass wealth and their financial situations

More information

20 Keys to Being a Smarter Investor

20 Keys to Being a Smarter Investor 20 Keys to Being a Smarter Investor The Financial Planning Association (FPA ) is the leadership and advocacy organization connecting those who provide, support and benefit from professional financial planning.

More information

Six Keys to More Successful Investing

Six Keys to More Successful Investing 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 Six Keys to More Successful Investing

More information

Retirement Balanced Fund

Retirement Balanced Fund SUMMARY PROSPECTUS TRRIX October 1, 2015 T. Rowe Price Retirement Balanced Fund A fund designed for retired investors seeking capital growth and income through investments in a combination of T. Rowe Price

More information

Getting to know your CUNY retirement plan

Getting to know your CUNY retirement plan Getting to know your CUNY retirement plan It s About You If you re the independent type, you can do your own thing. If you want some help, tools are available to assist you. Confused about investing and

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 Number. Every person has one. ANNUITIES. Your future. Made easier. SM

Your Number. Every person has one. ANNUITIES. Your future. Made easier. SM Your Number. Every person has one. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency ANNUITIES Your future. Made easier. SM Know

More information

Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it.

Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it. Six Strategies for Volatile Markets When markets get choppy, it pays to have a plan for your investments, and to stick to it. Fidelity Viewpoints 8/22/15 The markets have become volatile again, prompted

More information

NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE. Tax-advantaged IRAs. Invest in your retirement savings while reducing taxes

NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE. Tax-advantaged IRAs. Invest in your retirement savings while reducing taxes NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Taxadvantaged IRAs Invest in your retirement savings while reducing taxes Find the answers inside Why invest for retirement? p. 1 Discover three good reasons

More information

Preparing Your Savings for Retirement

Preparing Your Savings for Retirement Preparing Your Savings for Retirement The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of future health

More information

Resource Guide. Creating a plan for lifetime income in retirement

Resource Guide. Creating a plan for lifetime income in retirement Resource Guide Creating a plan for lifetime income in retirement Freedom in retirement starts with income in retirement When it comes to planning for your future, nothing should be left to chance. That

More information

INVESTING FOR YOUR FINANCIAL FUTURE

INVESTING FOR YOUR FINANCIAL FUTURE INVESTING FOR YOUR FINANCIAL FUTURE Saving now, while time is on your side, can help provide you with freedom to do what you want later in life. INVESTING FOR YOUR FINANCIAL FUTURE YOUR FINANCIAL FUTURE

More information

Strategies for staying on track to your retirement

Strategies for staying on track to your retirement Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

Individual Retirement Plans Investor guide to traditional and Roth IRAs. Individual Retirement Plans: Investor Guide

Individual Retirement Plans Investor guide to traditional and Roth IRAs. Individual Retirement Plans: Investor Guide Individual Retirement Plans Investor guide to traditional and Roth IRAs a Individual Retirement Plans: Investor Guide Individual Retirement Plans An individual retirement plan may be a beneficial addition

More information

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS

Balanced Fund RPBAX. T. Rowe Price SUMMARY PROSPECTUS SUMMARY PROSPECTUS RPBAX May 1, 2016 T. Rowe Price Balanced Fund A fund seeking capital growth and current income through a portfolio of approximately 65% stocks and 35% fixed income securities. Before

More information

PLAN FOR YOUR FUTURE. 71% say retirement WHY ENROLL? GET STARTED TODAY ONE TWO THREE

PLAN FOR YOUR FUTURE. 71% say retirement WHY ENROLL? GET STARTED TODAY ONE TWO THREE Regions Financial Corporation 401(k) Plan PLAN FOR YOUR FUTURE You may spend 20 years or more in retirement that s a long time to go without a paycheck! Of course, there will still be bills to pay, so

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

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

Professionally Managed Portfolios of Exchange-Traded Funds

Professionally Managed Portfolios of Exchange-Traded Funds ETF Portfolio Partners C o n f i d e n t i a l I n v e s t m e n t Q u e s t i o n n a i r e Professionally Managed Portfolios of Exchange-Traded Funds P a r t I : I n v e s t o r P r o f i l e Account

More information

Guide to mutual fund investing. Start with the basics

Guide to mutual fund investing. Start with the basics Guide to mutual fund investing Start with the basics Pursue your financial goals Why do you invest? For a rainy day? A secure retirement? Funding a college tuition? Having a specific goal in mind will

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

GUARANTEES. Income Diversification. Creating a Plan to Support Your Lifestyle in Retirement

GUARANTEES. Income Diversification. Creating a Plan to Support Your Lifestyle in Retirement GUARANTEES growth FLEXIBILITY Income Diversification Creating a Plan to Support Your Lifestyle in Retirement Contents Build a Retirement Plan that Can Last a Lifetime 2 Retirement Is Different Today 4

More information

Non-FDIC Insured May Lose Value No Bank Guarantee. Time-Tested Investment Strategies for the Long Term

Non-FDIC Insured May Lose Value No Bank Guarantee. Time-Tested Investment Strategies for the Long Term Non-FDIC Insured May Lose Value No Bank Guarantee Time-Tested Investment Strategies for the Long Term Rely on These Four Time-Tested Strategies to Keep You on Course. Buy Right and Sit Tight Keep Your

More information

Deferred Compensation Plan Handbook

Deferred Compensation Plan Handbook 457 Deferred Compensation Plan Handbook 457 Deferred Compensation Plan Handbook Table of Contents Deferred Compensation Plan Eligibility and Participation...1 Vesting...1 Cost...2 Plan Contributions...2

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

Understanding annuities

Understanding annuities ab Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Protecting your retirement income security from life s uncertainties. The retirement landscape

More information

Non-FDIC Insured May Lose Value No Bank Guarantee. Time-Tested Investment Strategies for the Long Term

Non-FDIC Insured May Lose Value No Bank Guarantee. Time-Tested Investment Strategies for the Long Term Time-Tested Investment Strategies for the Long Term Invest for the Long-Term Stay the Course Through Ups and Downs History shows that the market goes up and the market goes down. While there may be short-term

More information

Building a Strong Financial Future: Strategies for Age 45 to Retirement SECURITIES OFFERED THROUGH LPL FINANCIAL" MEMBER FINRA/SIPC"

Building a Strong Financial Future: Strategies for Age 45 to Retirement SECURITIES OFFERED THROUGH LPL FINANCIAL MEMBER FINRA/SIPC Investor Seminar Series Building a Strong Financial Future: Strategies for Age 45 to Retirement SECURITIES OFFERED THROUGH LPL FINANCIAL" MEMBER FINRA/SIPC" Introduction Today we ll discuss: Planning for

More information

Building Your Retirement Portfolio

Building Your Retirement Portfolio Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

Five Simple Steps to a Retirement Plan

Five Simple Steps to a Retirement Plan Retirement Five Simple Steps to a Retirement Plan Not FDIC Insured May Lose Value Not Bank Guaranteed OppenheimerFunds Five Simple Steps to a Retirement Plan Take a few minutes now and you ll be thankful

More information

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity.

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity. IU Tax Deferred Annuity Plan (51913) IU TDA Plan Start investing in yourself today, with help from IU TDA Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow.

More information

ILLINOIS 529 COLLEGE SAVINGS PLAN

ILLINOIS 529 COLLEGE SAVINGS PLAN ILLINOIS 529 COLLEGE SAVINGS PLAN Thinking about saving for your child s college education can be overwhelming. Stories of rising college loan debt and tuition increases do little to settle the nerves

More information

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors RETIREMENT INSIGHTS July 2014 Your HFS Team Heffernan Financial Services 188 Spear Street, Suite 550 San Francisco, CA 94105 800-437-0045 rebeccat@heffgroup.com www.heffgroupfs.com CA Insurance Lic# 0I18899

More information

Innovative, flexible, low-cost retirement solution

Innovative, flexible, low-cost retirement solution TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll

More information

T. Rowe Price Target Retirement 2030 Fund Advisor Class

T. Rowe Price Target Retirement 2030 Fund Advisor Class T. Rowe Price Target Retirement 2030 Fund Advisor Class Supplement to Summary Prospectus Dated October 1, 2015 Effective February 1, 2016, the T. Rowe Price Mid-Cap Index Fund and the T. Rowe Price Small-Cap

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

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk BlackRock Diversified Income Portfolio A portfolio from Fidelity Investments designed to seek income while managing risk Fidelity Investments has formed a strategic alliance with BlackRock Investment Management,

More information

It s your retirement.

It s your retirement. MNDCP It s your retirement. Keep it on target. And keep it simple. 1 Click to learn more! Looking for an easier way to invest for retirement? With these three simple steps, you can save more, invest wisely

More information

EMPOWER. Retirement Strategies for Women. Helping to secure your future lifestyle SAVING : INVESTING : PLANNING

EMPOWER. Retirement Strategies for Women. Helping to secure your future lifestyle SAVING : INVESTING : PLANNING EMPOWER Retirement Strategies for Women Helping to secure your future lifestyle SAVING : INVESTING : PLANNING Introduction Looking back through the years what were your aspirations? Did you ever think

More information

Is your retirement plan taking you where you want to go?

Is your retirement plan taking you where you want to go? RiverSource Retirement Group Annuity Is your retirement plan taking you where you want to go? The benefits of a 403(b) retirement plan 140765 C (4/13) The benefits of a 403(b) plan. To live the retirement

More information

ILLINOIS 529 COLLEGE SAVINGS PLAN

ILLINOIS 529 COLLEGE SAVINGS PLAN ILLINOIS 529 COLLEGE SAVINGS PLAN Thinking about saving for your child s college education can be overwhelming. Stories of rising college loan debt and tuition increases do little to settle the nerves

More information

www.mnsaves.org ENROLLMENT MATERIALS

www.mnsaves.org ENROLLMENT MATERIALS ENROLLMENT MATERIALS www.mnsaves.org Why should you save for college? What you might need. Paying for a college education can be one of the most pressing family financial challenges. Although it may seem

More information

Mutual Funds Made Simple. Brighten your future with investments

Mutual Funds Made Simple. Brighten your future with investments Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.

More information

Investing Basics. Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500

Investing Basics. Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500 Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500 Investing Basics 2013 Page 1 of 9, see disclaimer on final page Saving and Investing Wisely The impact of 3%

More information

Variable annuities. A tax-advantaged way to save for retirement

Variable annuities. A tax-advantaged way to save for retirement Variable annuities A tax-advantaged way to save for retirement Common terms Annuitant The person (may be the same as the contract owner) whose life expectancy is used to calculate the income payment amount

More information

UND U E ND R E S R T S A T ND A I ND NG N TR T ADI AD TI T ONAL O AN A D R N O D R T O H I T R H I AS A INVESTO T R GUIDE RETIREMENT

UND U E ND R E S R T S A T ND A I ND NG N TR T ADI AD TI T ONAL O AN A D R N O D R T O H I T R H I AS A INVESTO T R GUIDE RETIREMENT UNDERSTANDING TRADITIONAL AND ROTH IRAS INVESTOR GUIDE RETIREMENT Not FDIC Insured May Lose Value Not Bank Guaranteed Get Ready for Retirement... Your Way Forget rocking chairs and lingering sunsets. Your

More information

Unit Investment Trusts

Unit Investment Trusts a guide to Unit Investment Trusts A unit investment trust (UIT) is a registered investment company that buys and holds a generally fixed portfolio of stocks, bonds, or other securities. Table of Contents

More information

Start investing in yourself today, with help from the Sutter Health 403(b) Savings Plan and Fidelity. Your Guide to Getting Started

Start investing in yourself today, with help from the Sutter Health 403(b) Savings Plan and Fidelity. Your Guide to Getting Started Sutter Health 403(b) Savings Plan Start investing in yourself today, with help from the Sutter Health 403(b) Savings Plan and Fidelity. Your Guide to Getting Started Invest some of what you earn today

More information

Time to Invest in Short-Term Bonds?

Time to Invest in Short-Term Bonds? First Quarter 2010 Time to Invest in Short-Term Bonds? Executive Summary This paper outlines why now may be an opportune time to invest in short-term bonds. We believe short-term bonds offer: Less downside

More information

Workplace Education Series. Building a Portfolio for Any Weather

Workplace Education Series. Building a Portfolio for Any Weather Building a Portfolio for Any Weather The Retirement Savings Series Part 1: Getting on the Right Path with Your Workplace Savings Understand the many advantages of saving at the workplace Find money in

More information

Vanguard Target Retirement Funds

Vanguard Target Retirement Funds Vanguard Target Retirement Funds Supplement to the Prospectus Dated January 27, 2014 Prospectus Text Changes The Average Annual Total Returns table for Vanguard Target Retirement Income Fund is replaced

More information

Investing Toward Retirement

Investing Toward Retirement ONS Congress 2013 Investing Toward Retirement Janet L Marcantonio, CFP, CRPC Thomas Robinson, CFP Marcantonio Robinson Wealth Advisory Group UBS Financial Services 1 Learning objectives Understand the

More information

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP John Wyckoff, CPA/PFS, CFP Your investment priorities are likely to evolve over time, but one goal will remain constant: to maximize your investment returns. Not all returns are created equal, however.

More information

Invesco SIMPLE IRA Employee guide

Invesco SIMPLE IRA Employee guide Invesco SIMPLE IRA Employee guide How many years will you spend in retirement? And how much savings will you need to be able to live comfortably? According to the Employee Benefit Research Institute, 60%

More information

From Here to There. Michigan s 529 College Savings Plan

From Here to There. Michigan s 529 College Savings Plan From Here to There Michigan s 529 College Savings Plan You Can Get There. We Can Help. Paying for a college education can be one of the most pressing financial challenges a family may face. Although it

More information

Understanding annuities

Understanding annuities Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Helping to protect your retirement income security from life s uncertainties. The retirement

More information

ILLINOIS 529 COLLEGE SAVINGS PLAN

ILLINOIS 529 COLLEGE SAVINGS PLAN ILLINOIS 529 COLLEGE SAVINGS PLAN Your children deserve an opportunity for higher education and you can help them achieve it. Whether your kids are learning to walk or in their teenage years, it s never

More information

Build a Strong Financial Future

Build a Strong Financial Future The Principal Financial Group Build a Strong Financial Future LIFE INSURANCE AS AN ASSET Building a strong financial future You work hard to build financial security for you and your family. Are you considering

More information

Putting it All Together.

Putting it All Together. C A N A D A L I F E S Putting it All Together. O F V A R I A B L E P R O D U C T S ASSET MODEL ALLOCATION PORTFOLIOS For Registered Representative Use Only. Not For Public Distribution. Canada Life s Prestige

More information