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

   

“Should you stay in the plan?”

Whether you leave your money in your plan or decide to move on depends on what’s important to you right now. If ease, future flexibility, and tax-deferred savings appeal, then you’ve got the green light to stay.


Green Light...Okay to Stay
Red Light...Time to Move On

  • You don't have to complete any paperwork or make any decisions until age 70 1/2.
  • You can continue to shift money between investments to manage risk and return.
  • Your money can grow free of income tax until you withdraw it.
  • You can always change your mind and take a lump sum, roll to an IRA or annutity, or begin distributions.

  • If you're age 70 1/2 or older, you have to begin taking at least the minimum distribution.
  • You may not be able to take advantage of certain features (such as loans) now that you are retired.
  • You may not have access to as many investment options as, for instance, a Rollover IRA.
  • Your plan may impose restrictions on withdrawals.
  • You may have to pay a fee for services.
   
Pros/Cons
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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