ROLLOVER & RETIREMENT
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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

“Without the annual tax drag, you can really run up some savings.”

Here’s the great thing about an income-tax-deferred savings account--like your employer-sponsored plan. Every penny you save can earn, and earn, and earn, and never get taxed. At least not until you withdraw that money. Let’s do a side-by-side comparison to prove the point. I’m going to give Ray and May each $100 to invest every month. They have to hold the investment for 20 years, and can’t add any more money of their own.


Q: Where did Ray go wrong?

  Investment Of Investment Selection
Value in 20 Years
RAY $100/month Taxable Investment
$46,435
MAY $100/month Tax-deferred employer-sponsored plan
$59,295

ASSUMES: 8% interest rate on $100 saved monthly for 20 years. For illustration purposes only and does not reflect an actual investment.

A: Ray chose a taxable investment.
So, every year his balance took a step forward in accumulation and a step back in taxes. May’s tax-deferred investment, on the other hand, started accumulating and kept on going.
Pre-tax contibutions
Employer Match
Tax-deferred compounding


© 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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