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.
Streamline Finances

Why Consolidate | How to Consolidate | Manage Required Distributions

"Consolidation really pays off at distribution time."

When age 70 1/2 rolls around, you must start taking at least a minimum distribution from your tax-deferred accounts (for example, employer-sponsored plans and IRAs). So, let’s say you never consolidated your two IRAs, and accounts at three former employers. Every year, you’ll need to round up your five account statements, do the minimum-distribution math on each account, decide how much you want to take, and get the wheels in motion for the distribution. Sounds like a lot of work. OR, if you have just one account – lucky you – you can just do the math once. Whew! If you haven’t given serious thought to consolidating and you’re nearing 70 1/2, click for easy how-to.




"Already receiving minimum distributions but don’t need the money yet?"

A few fortunate retirees find their current income is just right without the added boost of plan distributions. If that’s you, consider a bond or CD ladder, where you buy investments with your distributions that are systematically scheduled to mature at regular quarterly or annual intervals some time in the future. No near-future needs for the money? That’s the best position of all. You may want to invest for long-term gain in stocks or a stock mutual fund. These investments have more risk but have the potential to pay more over the long haul.



© 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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