Investing Essentials. Your dreams are too important to leave to chance
|
|
- Frederica Wilkins
- 8 years ago
- Views:
Transcription
1 Investing Essentials Your dreams are too important to leave to chance
2 Your investing goals are as unique as you are. Whether you re investing on your own or working with one of our Investment Consultants, on the following pages you ll find three steps to help you create an investment plan, determine an appropriate asset mix for your needs and put it all into action. Regardless of what you re investing for or how much experience you have, American Century Investments is committed to providing you the tools, guidance and solutions to help you reach your goals. Contents Define your goal 3 Create your plan Make it automatic Keep emotions in check Design your blueprint 4 Decode diversification Narrow your focus Put it into action Determine your solution 5-6 Build your plan with one of our asset allocation portfolios: Target-risk portfolios Target-date portfolios We re here to help 7 2
3 Define your goal Create your plan Declare it. Know what you re investing for retirement, college, general goals. Date it. Determine when you ll need your money. Estimate it. Add up how much you may need for your goal. Make it automatic When the markets swing, even the most experienced investors may be tempted to stop investing. However, if you set up an automatic investment, that amount can add up over time, even if you don t have much to start with.* Estimate how much you may need to invest. Search time value calculator at americancentury.com. Keep emotions in check No one knows when market gains will occur and missing just a few of the market s best days can lower your return substantially. Successful investing is more likely to be the result of time in not timing of the markets. Start an automatic plan today or search automatic investing for more information at americancentury.com. Jumping in and out of the market may cost your portfolio 1 Hypothetical Impact of Missing a Few Days of a Market Rally Missed 30 Best Days Missed 20 Best Days Missed 10 Best Days Invested throughout time period $65,475 $32,676 $20,361 $13,451 Growth from a $10,000 Investment Hypothetical Market Fluctuation Dec. 31, 1996 to Dec. 31, Source: Bloomberg S&P 500 Total Returns. This hypothetical investment is for illustrative purposes only and is not intended to represent any particular investment product. Past performance is not a guarantee of future results. The S&P 500 Index is a capitalization-weighted index of 500 widely traded stocks. Created by Standard & Poor s, it is considered to represent the performance of the stock market in general. It is not an investment product available for purchase. * This strategy, known as dollar-cost averaging, does not assure a profit or protect against loss in declining markets. To fully take advantage of dollarcost averaging, you should be prepared to continue investing at regular intervals, even during economic downturns. Visit americancentury.com 3
4 Design your blueprint Diversification Spreading your money across several investment types that react differently when markets change. Asset allocation The percentage mix each discipline holds based on your goals, risk comfort and time frame. Asset allocation portfolios A variety of mutual funds wrapped together so you get diversification and asset allocation in a single fund. An increasingly complex market and volatility have driven demand for investments that include multiple types of disciplines (stocks, bonds, cash) to help balance risk and performance. Decode diversification At the core of this strategy is a time-tested principle diversification. Although it can t protect against loss, we strongly believe building a portfolio based on this approach gives you the best blueprint to reaching your long-term investing goals. Narrow your focus While diversification is an overall strategy, the principle of asset allocation starts to narrow your focus. This is where you include a percentage of stocks, bonds and cash in your portfolio based on your goals, risk comfort and when you ll need the money. Put it into action When you are ready to put your blueprint into action, choose how you d like to work with us. Build your own diversified portfolio Select from our broad lineup of 80+ no-load mutual funds. Let us do the work for you Choose one of our two types of asset allocation portfolios. These portfolios offer broad diversification and professional money management in a single investment. More aggressive investing: Higher highs, lower lows 1 Hypothetical Annual Return % 60% 50% 40% 30% 20% 10% 0% -10% -20% -30% -40% -50% 26% -15% 30% -23% 38% -30% 47% -38% 53% -44% Conservative Moderate Style of Investing Aggressive Returns are for the period Dec. 31, 1926 to Dec. 31, ¹ Returns for each hypothetical investment style and historical averages were calculated by American Century Services, LLC, using information and data presented in Global Financial Data (GFD) Software. All rights reserved. Used with permission. Stock returns are represented by the S&P 500 Total Return Index constructed by GFD, using long-term historical data for stock dividends for the S&P Composite from the Cowles Commission and from S&P itself. Data is used to calculate total returns for the S&P Composite using the S&P Composite Price Index and dividend yields through 1970, official monthly numbers from 1971 to 1987 and official daily data from 1988 on. It is used as a long-term measure of U.S. stock market performance. USA Total Return AAA Corporate Bond Index constructed by GFD, using long-term historical data for corporate bonds. The index uses the yield from Macaulay s High Grade Rails Index from 1857 to 1918 and the yields from Moody s AAA Corporate Bond Index from 1919 on to calculate the total returns for the index. The corporate bonds in the index are long-term with a maturity of over 20 years. USA Total Return T-Bill Index constructed by GFD, using long-term historical data for Government bonds. The bill index uses the minimum rate of the coupon on U.S. Government bonds and commercial bills from 1835 to The coupon for U.S. Governments was set at 5% from 1835 to 1871, 4% from 1872 to 1878 and 3% from 1879 to The yield on Treasury bills is used from 1919 to date. Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.
5 Determine your solution Select your comfort with risk: One Choice SM Target Risk Portfolios Make investing for retirement, college, or any other objective, as convenient as identifying your comfort with risk. Determine your risk comfort level One Choice Target Risk Portfolios range from very conservative to very aggressive, and you choose a portfolio based on your tolerance for risk. Each portfolio is a fund of funds (which invests in other funds rather than individual securities), and its performance and risk characteristics are dependent on the underlying funds. Check your risk barometer periodically While the portfolios are actively managed to maintain their targeted risk level, your comfort with risk may change over time. Periodically check your comfort level by completing our online Investment Planner. A portfolio s risk designation is intended to reflect its relative short-term price volatility compared to the other One Choice Target Risk Portfolios. Which solution could be right for you? Here and on the following page, see how one of our One Choice Portfolios, based on your comfort with risk or your target date, may help you reach your goals. When you re ready to invest: 1. Use our online Investment Planner to help you determine your risk tolerance. 2. Choose a One Choice Target Risk Portfolio that matches your comfort level with risk. Your risk level aligns to each portfolio s mix of investments One Choice Target Risk Portfolios % Stocks % Bonds % Cash Alternatives Very Conservative Conservative Moderate Aggressive Very Aggressive The managers regularly review the portfolios and may make changes to the asset class allocations that deviate from the target risk mix. Visit americancentury.com and search target risk for the most recent percentages. Visit americancentury.com 5
6 The performance of the portfolios is dependent on the performance of their underlying American Century Investments funds and will assume the risks associated with these funds. The risks will vary according to each portfolio s asset allocation, and a fund with a later target date is expected to be more volatile than one with an earlier target date. Select your target date: One Choice SM Target Date Portfolios A straightforward investment plan that works to match how much time you have to meet your goal whether for retirement or any other goal. Determine your target date Each portfolio s target date represents the approximate year when you plan to start withdrawing your money. Choose the portfolio closest to your target date, and our investment professionals will actively manage, diversify and adjust the fund s portfolio over time. Aim to balance risk and performance The portfolios are designed to provide the optimal trade-off of risk and reward based on the target date. The funds are adjusted annually to be more conservative. As the target date approaches, the managers reduce the fund s exposure to stocks and increases its exposure to bonds and cash. Even with this measured approach, it s important to note the principal value of your investment is not guaranteed at any time, including at the target date. When you re ready to invest: 1STEP ONE Calculate your target date. 2STEP TWO Select the One Choice Target Date Portfolio closest to your target date. BIRTH YEAR AGE THAT YOU WILL NEED YOUR MONEY TARGET DATE = 2032 Birth Year One Choice Target Date Portfolios % Stocks % Bonds % Cash Alternatives 1988 & after One Choice SM 2055 Portfolio One Choice SM 2050 Portfolio One Choice SM 2045 Portfolio One Choice SM 2040 Portfolio One Choice SM 2035 Portfolio One Choice SM 2030 Portfolio One Choice SM 2025 Portfolio One Choice SM 2020 Portfolio Before 1953 One Choice SM In Retirement Portfolio As of December Based on your birth year and a retirement age of 65. The managers regularly review the portfolios and may make changes to the asset class allocations that deviate from the target date mix. Visit americancentury.com and search target date for the most recent percentages. 6
7 We re here to help A portfolio that matches your investment goals may help you have the best chance for investing success. Not sure if your portfolio aligns with your goals? Try our online Investment Planner to find out. Expert guidance Try our complimentary Investment Planner Our online tool will give you valuable guidance toward the asset allocation mix and funds that are compatible with your answers to a series of questions about your goals, time frame and how you feel about risk. You ll receive: A free online guide to help you invest toward your long-term goals. Results you can reference anytime from your online My Account page. A printable report that details your asset allocation mix, fund options and suggested next steps. If you prefer to talk to an Investment Consultant, please call the appropriate number at the bottom of the page. Start your free guidance session online today. Log in or register your account at americancentury.com Tools for investing Choose from a variety of online educational articles and calculators to help you make informed investment decisions. Go to the Planning tab at americancentury.com. Anywhere, anytime investing americancentury.com Time is something we could all use more of. That s why we ve designed our online services to help you spend more time doing the things you love and less time managing your accounts. Take advantage of the services that are always available at americancentury.com. You should consider the fund s investment objectives, risks, charges and expenses carefully before you invest. The fund s prospectus or summary prospectus, which can be obtained by visiting americancentury.com, contains this and other information about the fund, and should be read carefully before investing. Personal accounts: Business, Not-For-Profit and Employer-Sponsored Retirement Plans: Visit americancentury.com 7
8 Actively Investing in Your Success SM At American Century Investments, we believe the ultimate measure of our performance is our clients success. We relentlessly focus on delivering superior investment performance and developing long-term relationships with our clients. Our track record, our business model and the legacy of our founder set us apart in the industry. Performance focus for more than 55 years Pure play business model Privately-controlled and independent Profits with a purpose American Century Investment Services, Inc., Distributor 2015 American Century Proprietary Holdings, Inc. All rights reserved. CL-BKT P.O. Box Kansas City, MO Business Retirement Specialists
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 informationNon-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 informationProfessionally 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 informationInvestment 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 informationChoose Your Path for the retirement you envision
Choose Your Path for the retirement you envision ONE CHOICE SM TARGET DATE PORTFOLIOS PRESENTATION GUIDE Choose Your Path for the retirement you envision One Choice SM Target Date Portfolios This presentation
More informationOur 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 informationCLI ENT ED U CATI O N. Retirement Income. Shape Your Own Reality
CLI ENT ED U CATI O N Retirement Income Shape Your Own Reality shape your own reality New Retirement Reality Realities for Today s Retirees 36 % say they need to work through retirement years 46 % say
More informationThe 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 informationyour 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 informationMutual 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 information5Strategic. decisions for a sound investment policy
5Strategic decisions for a sound investment policy 1 An investment policy sets your course for the long term. Managers of billion-dollar pension and endowment funds know it s nearly impossible to beat
More informationSix 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 informationMoney 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 informationVanguard 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 informationINVEST. Estimate your risk tolerance. saving : investing : planning
INVEST Estimate your risk tolerance saving : investing : planning Estimate your risk tolerance By answering these eight questions and adding their point total, you can get a rough estimate of your risk
More informationWorkplace 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 informationMutual Fund Basics TYPES OF MUTUAL FUNDS WHAT ARE THE BENEFITS OF INVESTING IN A MUTUAL FUND?
Mutual Fund Basics A mutual fund pools the money of many investors to purchase securities. The fund s manager buys securities to pursue a stated investment strategy. By investing in the fund, you ll own
More informationFinancial Wellness & Education. Understanding mutual funds
Financial Wellness & Education Understanding mutual funds Benefits of mutual funds Foresters Financial Services provides everyday families and individuals with financial solutions, guidance and tools,
More informationHow to choose investments for your retirement
How to choose investments for your retirement You have a lot of investment options in your retirement plan. Find out how to choose among them with this brochure. To put your financial plan into action,
More informationPNC Target Date Funds. Making Saving for Retirement Simpler for You
PNC Target Date Funds Making Saving for Retirement Simpler for You Walking With You on the Path to Retirement We understand that with the number and variety of retirement savings options available to you,
More informationFrequently Asked Questions PG&E Corporation Retirement Savings Plan (a 401(k) Plan) Need Help? General Questions: Information About Your RSP Account
Need Help? Information About Your RSP Account Call the Fidelity RSP Service Center at 1-877-PGE-401k (1-877-743-4015) Customer Service Associates are available 5:30 a.m. to 9 p.m. Pacific Time on weekdays,
More informationTARGET 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 informationRETIREMENT PLANNING GUIDE. Getting you on the right track
RETIREMENT PLANNING GUIDE Getting you on the right track 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?
More informationRETIREMENT 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 informationPRINCIPAL ASSET ALLOCATION QUESTIONNAIRES
PRINCIPAL ASSET ALLOCATION QUESTIONNAIRES FOR GROWTH OR INCOME INVESTORS ASSET ALLOCATION PRINCIPAL ASSET ALLOCATION FOR GROWTH OR INCOME INVESTORS Many ingredients go into the making of an effective investment
More informationDiversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life
Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life Add to your peace of mind, while adding to your assets You want and need to protect
More informationNon-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 informationMaking Sense of Market Volatility: Retirement Planning Strategies for the Everyday Investor. October, 2008
Making Sense of Market Volatility: Retirement Planning Strategies for the Everyday Investor October, 2008 1 Market Ups and Downs Recent news is full of anxiety-causing developments: Credit crunch Bank
More informationINVESTING 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 informationGuide 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 informationYour 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 informationYour Guide to Investing in the UNC Retirement Programs
Your Guide to in the UNC Retirement Programs > Appalachian State University East Carolina University Elizabeth City State University Fayetteville State University North Carolina A&T State University North
More informationVanguard 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 informationWhat 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 informationINVEST. Estimate your risk tolerance. saving : investing : planning
INVEST Estimate your risk tolerance saving : investing : planning Investing made easy Sometimes your financial picture can seem like the jumbled pieces of a jigsaw puzzle. Fortunately, your financial advisor
More informationInvesting Basics and Your Retirement
Christian Financial Credit Union Roberto Rizza, CRPC Financial Advisor CUSO Financial Services, LP 18441 Utica Road Roseville, MI 48066 586-445-3651 rrizza@cfcumail.org www.christianfinancialcu.org Investing
More informationBuilding 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 informationPersonal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series. Building your future with a secure partner
Personal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Investment basics Taking personal
More informationDefine 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 informationTAKE 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 informationsmart S A V E M O N E Y A N D R E T I R E T O M O R R O W Two Paths to Investing for Retirement Which one is right for you?
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W I N V E S T Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of State Treasurer
More informationEXPLORE. 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 informationKeeping 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 informationWorkplace 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 informationAn Attractive Income Option for a Strategic Allocation
An Attractive Income Option for a Strategic Allocation Voya Senior Loans Suite A strategic allocation provides potential for high and relatively steady income through most credit and rate cycles Improves
More informationPrinciples for investment success. We believe you will give yourself the best chance of investment success if you focus on what you can control
Principles for investment success We believe you will give yourself the best chance of investment success if you focus on what you can control Important information This guide has been produced for educational
More informationLearn 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 informationLearn 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 informationMutual 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 informationMutual 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 informationBuilding 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 informationSEP-IRA PLAN. Employee Guidebook. Welcome Building retirement savings Convenient way to invest Get started Open your account.
SEP-IRA PLAN Contents Employee Guidebook WELCOME. We know your retirement savings will be one of your most valuable assets, so we are committed to managing risk and taking a long-term approach to investing.
More informationWelcome! 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 informationDetermining 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 informationGUARANTEES. 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 informationStable Value Option. New York Life Insurance Company Anchor Account III As of 9/30/2011 INVESTMENT OBJECTIVE SECTOR DIVERSIFICATION. Cash --- 5.
Stable Value Option The Stable Value Option seeks to provide a low-risk stable investment, offering competitive yields and limited volatility, with guarantee of principal and accumulated interest. Until
More informationFive strategies to limit the effects of market volatility
Five strategies to limit the effects of market volatility We are currently experiencing a period of high volatility, where stock markets are fluctuating widely over a short period of time. The short-term
More information401(k) Savings Plan Investment Fund Profiles Detailed Information on the JPMorgan Chase 401(k) Savings Plan Investment Funds
401(k) Savings Plan Investment Fund Profiles Detailed Information on the JPMorgan Chase 401(k) Savings Plan Investment Funds Effective December 31, 2013 Please Note: Any significant subsequent updates
More informationA Guide To DEFINED FOCUSED DISCIPLINED
A Guide To F I R S T T R U S T U N I T I N V E S T M E N T T R U S T S DEFINED FOCUSED DISCIPLINED W H A T I S A U N I T I N V E S T M E N T T R U S T? U I T F E A T U R E S A unit investment trust or
More informationCHOOSING YOUR INVESTMENTS
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.
More informationDollar Cost Averaging
Understanding Dollar Cost Averaging An Investing Strategy for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 11/15 27029-15A
More informationDetermining 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 informationCustomer Investment Profile
Customer Name: Account Number: Contact Number: The purpose of this investment profile form is for us to better understand your financial means, investment experience, investment objectives and general
More informationsmart Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan INVEST
smart S A V E M O N E Y A N D R E T I R E T O M O R R O W INVEST Two Paths to Investing for Retirement Which one is right for you? Massachusetts Deferred Compensation SMART Plan Office of the State Treasurer
More informationI.A.M. National 401(k) Plan. Investment Options Summary
I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement
More informationTake your retirement plan off pause and hit play
Client Guide Take your retirement plan off pause and hit play For many people, retirement is a goal or reward for a lifetime of hard work. Whether relaxing or travelling the world, retirement dreams vary
More informationA GUIDE TO MUTUAL FUND INVESTING
Many investors turn to mutual funds to meet their long-term financial goals. They offer the benefits of diversification and professional management and are seen as an easy and efficient way to invest.
More informationNew Horizons Fund PRNHX. T. Rowe Price SUMMARY PROSPECTUS
SUMMARY PROSPECTUS PRNHX May 1, 2015 T. Rowe Price New Horizons Fund An aggressive stock fund seeking long-term capital growth primarily through investments in small, rapidly growing companies. Before
More informationPreparing 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 informationThe 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 informationOverview of Your TIAA-CREF Investment Solutions SM Accounts
Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment
More informationMutual Funds Page 1 MUTUAL FUND BASICS
Mutual Funds Page 1 MUTUAL FUND BASICS CHOOSING A MUTUAL FUND REQUIRES CAREFUL THINKING ABOUT NUMEROUS FACTORS. THE MOST IMPORTANT OF THESE TO CONSIDER INCLUDE YOUR INVESTMENT OBJECTIVES, RISK TOLERANCE
More informationSAMPLE INVESTMENT POLICY STATEMENT
SAMPLE INVESTMENT POLICY STATEMENT 2003 Prepared by: Jay D. Ahlbeck, CLU, ChFC JDA & Associates Securities and Advisory Services offered through Mutual Service Corporation, a Registered Investment Advisor,
More informationEnjoy 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 informationBUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF
BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD FOR MORE THAN 85 YEARS, we have been helping millions of people working in the academic, medical and
More informationYour 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 informationOptional 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 informationYOUR 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 informationCHOOSING YOUR INVESTMENTS
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call us at 800 TIAA-CREF (800 842-2273) to speak with
More informationINVESTMENTS. Brought to you by: State Treasurer Josh Mandel
INVESTMENTS 1 State Treasurer Josh Mandel Section I: Assessing Your Current Situation Section II: Setting Investment Goals / Timelines Section III: Determining Your Risk Tolerance Section IV: Asset Allocation
More informationAsset allocation A key component of a successful investment strategy
Asset allocation A key component of a successful investment strategy This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard
More informationLife is complicated. Investing doesn t have to be. MainStay Asset Allocation Funds
Life is complicated. Investing doesn t have to be. MainStay Asset Allocation Funds We can help you have one less thing to worry about. If you are like most people, you ve got your hands full. Juggling
More informationPROFESSIONAL FIXED-INCOME MANAGEMENT
MARCH 2014 PROFESSIONAL FIXED-INCOME MANAGEMENT A Strategy for Changing Markets EXECUTIVE SUMMARY The bond market has evolved in the past 30 years and become increasingly complex and volatile. Many investors
More informationinvesting mutual funds
investing mutual funds our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant
More informationRetirement on the Brain. Market Volatility Survival Strategies
Retirement on the Brain Market Volatility Survival Strategies Insight Into Market Volatility It can be exhausting to watch the financial markets as they skyrocket one day, plummet the next, rise again,
More informationGreat-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 informationINVESTMENT 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 informationPrivate Asset Management
TIAA-CREF Trust Company, FSB Private Asset Management Customized investment solutions to meet your unique needs over time About TIAA-CREF Trust Company s Private Asset Management TIAA-CREF Trust Company
More informationEmpower 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 informationThis guide contains important information about your NSF Super investment options.
Investment guide Personal Division This guide contains important information about your NSF Super investment options. You should read it to help you make an informed investment choice. Contents 1. Investment
More informationCreate 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 informationWEALTH MANAGEMENT SHOULD START WITH A CONVERSATION ABOUT YOU
WEALTH MANAGEMENT SHOULD START WITH A CONVERSATION ABOUT YOU YOUR WEALTH MANAGEMENT PROGRAM IS A SERIOUS ENDEAVOR, one that calls for skill, trust, commitment, responsibility, and performance; but mostly,
More informationStart 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 informationInvestment Principles
NEWSLETTER Time-Tested Investment Principles Financial markets are not predictable or stable, they constantly evolve. It is for this reason that investors should maintain a sound and disciplined approach
More informationREIT QUICK FACTS GUIDE
REIT QUICK FACTS GUIDE FOR FINANCIAL ADVISORS Guidelines for Strategic Portfolio Diversification FINRA-Reviewed Fact Sheets on Stock Exchange-Listed Equity REITs Additional References for Advisors THERE
More informationMaking the Case for Managed Accounts. For financial professional use only
Making the Case for Managed Accounts For financial professional use only Case Study Findings Participants enrolled in our managed account service will see, on average, a 19% increase in projected annual
More informationStart 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 informationYour 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 informationexpertise for nonprofit organizations
Vanguard Asset Management Services expertise for nonprofit organizations To help you manage and administer your organization s assets Contents Sharing our strengths: Benefits of a partnership with Vanguard
More information