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

2 About this seminar Presentation > Provides comprehensive education > Includes action steps > Provides opportunity to develop personalized financial plan Workbook > Reinforces major presentation points > Includes worksheets and self-analysis quizzes > Provides opportunity for feedback 2

3 Agenda 1 Basics of investing 2 Building your investment portfolio 3 Ways to invest 4 Action steps 3

4 Basics of investing

5 Basics of investing What is investing? > Putting money to work for you > Investing vs. saving vs. speculating 5

6 Basics of investing Why do we invest? I want to pay off my credit card debt We want to save for our dream house I want to start my own business We want to start a college fund I want to afford a comfortable retirement We just want to retire on time 6

7 Basics of investing Investment considerations Investor profile > Risk tolerance Emotional temperament Current financial status Time horizon Prior investment experience > Time horizon Short-term, capital preservation Long-term, capital appreciation 7

8 Basics of investing Putting money to work for you: compound interest > Reinvest profits > Earn interest on your interest Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn t... pays it. Albert Einstein 8

9 Basics of investing The power of compounding Interest paid out End Year Investment Amount Interest Paid Out 1 $10,000 $800 2 $10,000 $800 3 $10,000 $800 4 $10,000 $800 5 $10,000 $800 6 $10,000 $800 7 $10,000 $800 8 $10,000 $800 9 $10,000 $ $10,000 $800 Total interest earned $8,000 Interest compounded Investment Amount Plus Interest Reinvested $10,000 $800 $10,800 $864 $11,664 $933 $12,597 $1,008 $13,605 $1,088 $14,693 $1,175 $15,869 $1,269 $17,138 $1,371 $18,509 $1,481 $19,990 $1,599 $11,588 This hypothetical example illustrates the growth of an investment of $10,000 with and without compound interest, reinvested at 8%. This information is hypothetical and only an example. It does not reflect the return of any investment and is not a guarantee of future income. 9

10 Basics of investing Even modest inflation over time can have a major impact on your investments 284% increase Source: Consumer Price Index. Bureau of Labor Statistics,

11 Basics of investing Effect of taxes on investment Average annual return 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 9.8% Stocks 7.7% Stocks after taxes 5.7% Bonds 3.7% Bonds after taxes This chart is for illustrative purposes only. Past performance does not guarantee future results. Based on Morningstar s analysis of historical performance from One cannot invest directly in an index. The Standard & Poor s (S&P) 500 Index includes a representative sample of leading companies in leading industries that reflect the U.S. stock market. Source: Ways to reduce taxes on investments. Fidelity Viewpoints. Retrieved January 9,

12 Building your investment portfolio

13 Building your investment portfolio Asset classes Stocks Growth Invested in the stocks of many companies Invested in companies with different sizes and goals Types: Common and preferred Most aggressive Bonds Fixed income Cash Stable value Asset classes and indexes from which their historical returns are derived are not managed funds, have no identifiable objectives and cannot be purchased. They do not provide an indicator of how individual investments performed in the past or how they will perform in the future. Performance of indexes does not reflect the deduction of any fees and charges and past performance of asset classes does not guarantee the future performance of any investment. 13

14 Building your investment portfolio Investing in stocks Positive Negative 1 year 5 years 10 years 20 years 28% 14% 5% 0% 72% 86% 95% 100% Historical positive returns from stocks as measured by the S&P 500 Index 1-, 5-, 10- and 20-year rolling periods January 1, 1926 December 31, Total return of the unmanaged S&P 500 assumes reinvestment of dividends. This chart is for illustrative purposes only and does not reflect the past or future performance of any specific investment. One cannot invest directly in an index. Past performance does not guarantee future results. Source: Stocks, Bonds, Bills and Inflation. Yearbook, Ibbotson Associates, Inc. 14

15 Building your investment portfolio Investing in stocks Staying invested vs. missing three months of best performance $350K $300K $250K $276K $200K $150K $100K $194K Investor 2 lost $82K $50K $0K 2009 Investor 1 Kept his/her money invested Investor 2 Withdrew money for only 3 months but missed the top 3 months in terms of performance Based on Standard & Poor s 500 Index s return over 31-year period ended December 31, One cannot invest directly in an index. The Standard & Poor s (S&P) 500 Index includes a representative sample of leading companies in leading industries that reflect the U.S. stock market. For illustration only. Past performance does not guarantee future results. Source: Ibbotson Associates, VALIC. 15

16 Building your investment portfolio Asset classes Stocks Growth Bonds Fixed income Invested in debt obligations Focus on income Types: corporate, government and municipal More conservative than stock funds Cash Stable value Asset classes and indexes from which their historical returns are derived are not managed funds, have no identifiable objectives and cannot be purchased. They do not provide an indicator of how individual investments performed in the past or how they will perform in the future. Performance of indexes does not reflect the deduction of any fees and charges and past performance of asset classes does not guarantee the future performance of any investment. 16

17 Building your investment portfolio Asset classes Stocks Growth Bonds Fixed income Cash Stable value Low-interest, low-risk Invests in CDs, treasury bills, money market and stable value funds Most conservative Asset classes and indexes from which their historical returns are derived are not managed funds, have no identifiable objectives and cannot be purchased. They do not provide an indicator of how individual investments performed in the past or how they will perform in the future. Performance of indexes does not reflect the deduction of any fees and charges and past performance of asset classes does not guarantee the future performance of any investment. 17

18 Building your investment portfolio So, how to maximize these investment options? Consider the power of asset allocation and diversification! 18

19 Building your investment portfolio Asset allocation > Deciding right mix of asset classes > Balance risk and reward > Long-term and short-term goals 19

20 Building your investment portfolio Asset allocation Historical performance Value of $1 invested over 43 years (43-year period ending 12/31/12) $13.00 $10.16 $9.98 $8.29 $5.41 Cash Equivalents Investment Grade Bonds International Stocks Small Cap Stocks Large Cap Stocks This chart is for illustrative purposes only. Past performance does not guarantee future results. Source: Data is based on indexes that are representative of each asset class. The 43-year performance was calculated using the returns for the 43-year period ending 12/31/2011, provided by Ibbotson Associates, supplemented with returns data from publicly available sources. 20

21 Building your investment portfolio 93.6% of investment performance is attributed to the asset classes you select Modern Portfolio Theory Neither asset allocation nor diversification ensures a profit or protects against market loss. Source: Markowitz, H. The Journal of Finance, Vol. 7, No. 1. (Mar., 1952), pp

22 Building your investment portfolio Sample mixes Conservative This sample mix might suit investors who view principal preservation as being very important. Conservative investors can accept small, short-term declines in value in order to achieve some portfolio growth. Moderate This sample mix might suit investors who are willing to accept some fluctuations of principal for the potential to achieve a better return. Aggressive This sample mix might suit investors who are seeking high returns and are willing to accept much greater fluctuations of principal for the opportunity to achieve long-term gains. It is often recommended to rebalance at least annually. These illustrations are hypothetical and only an example. They do not reflect the return of any specific investments and are not a guarantee of future income. Rebalancing mutual fund investments that are outside tax-deferred portfolios (such as annuity contracts, IRAs and employer-sponsored plans) generally can result in current taxes on gains from the sales of mutual fund shares. 22

23 Building your investment portfolio Sample mixes Conservative Aggressive Higher potential returns generally involve greater risk and short-term volatility is not uncommon when investing in various types of funds, including but not limited to sector funds, emerging market funds and small- and mid-cap funds. Risks for emerging markets include, for instance, risks relating to the relatively smaller size and reduced liquidity of these markets, high inflation rates and adverse political developments. Risks for smaller companies include business risks, significant stock price fluctuations and reduced liquidity. Investing in higher yielding, lower rated bonds has a greater risk of price fluctuation and loss of principal and income than U.S. government securities such as U.S. Treasury bonds and bills. Treasuries are guaranteed by the government for repayment of principal and interest if held to maturity. Investors should carefully assess the risks associated with an investment in the fund. Government securities are guaranteed by the timely payment of principal and interest if held to maturity. Fund shares are not insured and are not backed by the U.S. government and their value and yield will vary with market conditions. 23

24 Building your investment portfolio Rebalancing Beginning of year one Ideal allocation End of year one Too volatile Rebalance funds 24

25 Building your investment portfolio Rebalancing beginning of year two Ideal allocation It is important for you to rebalance your portfolio periodically to keep it in line with your ideal allocation. 25

26 Building your investment portfolio Diversification > Spreading investments among securities > Reduce risk > Diversify among and within assets 26

27 Building your investment portfolio Ways to diversify Stocks Global and Int l Domestic Small-Cap Domestic Mid-Cap Domestic Large-Cap Hybrid Bonds Bonds International Government High Yield Domestic Fixed Investment-Graded income Cash Stable Stable value value Small cap, mid cap, large cap Domestic vs. foreign Growth vs. value Short, intermediate, long term High quality vs. low quality Government, municipal, corporate Cash equivalents Fixed options 27

28 Building your investment portfolio Mutual funds Allow for diversification and asset allocation > Features Professional money management Diversification Flexibility Affordability Investment process > Types Stock funds Bond funds International funds/global funds Sector funds Balanced funds Index funds Socially responsible funds Passed back to Generate Returns Investor Securities Pools money with Fund manager Invests in 28

29 Ways to invest

30 Ways to invest How can we invest? Individual Managed account Employer 30

31 Ways to invest Individual > Manages his/her own money > Fully educated on the stock market and other investments > Trades mainly via Internet 31

32 Ways to invest Managed accounts > Managed by a financial consultant > Services offered: Investment planning Search and selection Portfolio management Trade execution > Types Separately managed Individually managed 32

33 Ways to invest Participate in your employer s retirement plan > Your plan contributions grow tax deferred > Compounding interest and dividends may boost growth > More time in the market means more time for potential growth > Even small amounts today can potentially increase over time 33

34 Ways to invest Investing for retirement > Define your goals > Make a financial plan > Review your investment options and determine your risk tolerance > Talk to a financial advisor 34

35 Ways to invest Traditional and Roth IRAs side-by-side features Features Traditional IRA Roth IRA Deductibility Yes, subject to a deduction phase-out based on coverage by a retirement plan at work and adjusted gross income. Tax advantages Earnings grow tax deferred. Qualified distributions are tax free if certain conditions are met.* Age limit Distributions Contributions are not allowed after the taxpayer attains age 70½. May be taken at any time. May be subject to penalty for early withdrawal while taxpayer is under the age of 59½. No None May be taken at any time. If qualified, distributions are tax free and penalty free.* May be subject to penalties on taxable withdrawals while taxpayer is under the age of 59½. Required Minimum Distribution (RMD) Yes. Must begin by April 1 of year following the year taxpayer turns 70½. Beneficiaries also subject to RMD rules. Owners not subject to RMD rules, however, beneficiaries are. *Depending on income and participation in an employer-sponsored plan. 35

36 Ways to invest Annuities > Contract with an insurance company > Lend themselves well to funding retirement Features > Tax-deferred growth > Death benefit > Income upon annuitization > Long-term investments > Values will fluctuate Types > Fixed > Variable > Combination > Equity-indexed 36

37 Action steps

38 Action steps 1 Set goals 2 Determine risk tolerance and time horizon 3 Work with a financial advisor 4 Develop an investment strategy 5 Manage investments 38

39 Action steps Setting goals Know why you are investing Prioritize your goals Be realistic 39

40 Action steps Take the risk tolerance quiz > Knowing your risk tolerance is an important step in developing an investment strategy that s right for you. Take the short quiz at right to help determine how much risk you are willing to take to reach your financial goals. > Give yourself 10 points for every a answer, 20 points for every b answer, and 30 points for every c answer. 1 Which of the following investments do you feel most comfortable with? a. Certificate of deposit b. High-grade corporate bond c. Growth stock 2 Of the following stocks, which to you feel would most suit your needs? a. conservative utility stock that pays high dividends but offers little chance for long-term growth b. A blue chip stock that offers the potential for modest dividends and growth c. An aggressive small-company stock that pays no dividends but offers great potential for long-term growth 3 What have you traditionally considered most important from your investments? a. Safety b. Conservative growth c. Maximum growth 4 You just made a $100,000 investment. The following amounts represent the estimated best-case and worst-case scenarios after one year. Which range of possible outcomes would you prefer? Best case/worst case possible gain/loss a. $104,000/96,000 $ 4,000 b. $108,000/92,000 $ 8,000 c. $112,000/88,000 $ 12,000 5 Of the following stocks, which to you feel would most suit your needs? a. I am not willing to take risks with my investments. b. I am willing to take limited risks with my investments. c. I am willing to take substantial risks with my investments. 40

41 Action steps Make a financial plan > Provides a big picture view of your current financial situation > Helps identify your financial goals and objectives > Allows you to understand the impact of your decisions > Will assist you in managing your cash flow to meet financial goals > Ensures your goals stay on track, if reviewed regularly 41

42 The information in this presentation is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor. Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor. VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company. Copyright The Variable Annuity Life Insurance Company. All rights reserved. VALIC.com VC (02/2013) J85639 EE 42

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