ROLLOVER & RETIREMENT
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Are You Already Retired?
Are you saving for retirement?
Employer-sponsored plans are truly a great benefit
You can bring your old retirement accounts with you.
Learn to save the right amount for your retirement.
Risk tolerance, time horizon and investment strategy are all key components.
Saving is good!
Avoid the temptation to cash out your retirement plan.
Even if you leave, your account may be able to stay.
You can bring your old retirement accounts with you.
Just because you can take money, doesn't mean you should.
Time to get your investment house in order.
Saving is good!
Learn to save the right amount for your retirement.
Have you covered all your bases?
Are you on target, off by a mile, or somewhere in between?
You can bring your old retirement accounts with you.
Risk tolerance, time horizon and investment strategy are all key components.
Saving is good!
Retirement age varies with the circumstances.
Learn to save the right amount for your retirement.
Just because you can take money, doesn't mean you should.
Risk tolerance, time horizon and investment strategy are all key components.
Its important to determine how you will begin to receive income during your retirement.
Just because you can take money, doesn't mean you should.
You may no longer work at your job, but you do need to work at managing your investments.
Ready to write your own paycheck?
Juggling too many accounts?
Health costs can take a big chunk of your retirement savings.
Share the wealth with your family…not uncle sam.
Manage Plan Assets

Stay in Plan | Take Lump Sum | Roll to IRA |  Roll to Annuity | Take distributions
   
“What's to like or not like?”

Go ahead with an annuity if you want the potential to continue investing tax-deferred and expect to take income now or in the future.


Green Light
Red Light

  • You can continue to save tax-deferred if you choose a deferred annuity.
  • You can start taking income right away if you choose an immediate annuity. (Your account balance continues to grow tax-deferred until withdrawn.)
  • You can choose from many ways to receive income. (See Payment Options.)
  • Your beneficiaries are assured a benefit if you die prematurely.
  • You’re guaranteed monthly payments. (guarantees based on the claims paying-ability of the issuing insurance company)

  • Some annuities charge a penalty if you take your money too soon.
  • Some annuities charge an annual management fee.
  • Some annuities may offer only a few investment options or ones in limited asset classes.
  • Your ability to receive future income payments is tied to the annuity issuer’s integrity and stability.
  • An annuity does not provide any additional tax deferral benefit, as tax deferral is provided by its Rollover status.
   

What is a Rollover Annuity?
Pros/Cons of rolling over
Types of annuities
Payment options
Annuity costs
Next steps


© 2008 ING North America Insurance Corporation. All rights reserved.
Advisory services provided through ING Financial Advisers, LLC (member SIPC).
This information is not intended to be tax or legal advice. ING does not offer tax or legal advice. Consult your own legal or tax advisor regarding your specific situation.
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