ING Retirement Plans

ROLLOVER & RETIREMENT

Are You New to Your Employer?

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.

Employers Plan


Save more \| Contribute easily \| Get flexibility


			“To change or not-to change.” Most employer-sponsored plans offer a colorful array of investment choices – everything from conservative to aggressive funds and lots in between. Your initial investment selections may not turn out to be ideal for your current situation. So, all plans allow you to make new investment elections. (See your plan documents to find out when and how). When you make changes, here are some suggestions:

Do’s and Don’t’s

DO make changes if your lifestyle changes … for example, you get married or have a child.
DO make changes if you want to increase or decrease your potential for return.
DO make changes to rebalance your account to redistribute your risk. Tell me more.
DO consider changes if you wish to step down investment risk as you approach retirement.
DON’T make a change as a knee-jerk reaction to one day’s (month’s) performance in the market.
DON’T make a change just because your buddy gave you a “hot” tip.

“Did you choose an investment from every food group?”

Investment change (for the right reasons) is fine. Just make sure you don’t load up on all fruits and vegetables and skip the grains. We’ve got a whole section on this topic … known as diversification. I’ll explain.


	Changing contributions Changing investments Accessing Money

© 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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