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.
Plan for Income

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“Taking income requires delicate balance.”

Take too much, especially early on, and you may leave yourself high and dry in later years. On the other hand, if you’re too stingy, you may unnecessarily restrict your retired lifestyle. So, be sure to balance your needs with what’s available.
If you have modest savings, then a low-profile retirement is best. Or, if you have plenty set aside, then it might be okay to splurge from time to time.


Keep your eye on the balance.
Retirees who spend too much early on may have regrets later. Here is how long a nest egg may last at different withdrawal rates. Keep in mind that this example is for hypothetical purposes only and is not intended to imply the performance of any specific investment.

NEST EGG OF 
WITH MONTHLY WITHDRAWALS OF
LASTS THIS LONG
$300,000
$1500
20 years +
$300,000
$2000
14 years +
$300,000
$2500
11 years +

Assumes a 6% rate of return and a 4% inflation rate. Income taxes are not factored in.



“Aim for 4 percent.”

Some financial professionals suggest a safe amount to withdraw is about 4% of your principal annually. Remember, you want to hang onto your nest egg as long as possible. Each time you draw against your balance, you have less principal available to compound and grow.

Taxable first
Tax-deferred last
How much to take
How to manage


© 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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