ING Retirement Plans

ROLLOVER & RETIREMENT

Are You Nearing Retirement?

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 Savings

Take lump sum | Stay in plan | Roll over to IRA |

Roll over to Annuity | Begin distributions

You choose how your annuity earns money Vanilla, chocolate or fudge swirl

Both deferred and immediate annuities come in different flavors. Which flavor you choose determines how your earnings/payments may be calculated.


Flavor		Vanilla
Style		Fixed
Potential Return		Lower
Additional Information The life insurance company determines the rate your annuity may earn. It may not be as high as you could get in the stock market, but you may sleep better at night.


Flavor		Chocolate
Style		Variable
Potential Return		Higher
Additional Information You direct how your annuity payments are invested by choosing among professionally managed annuity fund options. (Most annuities offer quite a few choices these days.) You decide how much goes into each option, and you can move your money between options. Your annuity's may go up or down based on how your choices perform.


Flavor	Fudge Swirl
Style	Equity-Indexed
Potential Return		Higher
Additional Information Your rate of return may be tied to the performance of a general market index, such as the S&P 500. When the index increases, your account may go up. If the index decreases, you may be assured of the minimum rate of return.


	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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