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.
Why Save

Who funds? | How long? | Impact of inflation | Why now?  

“Are you saving for your Retirement?”


Most people don’t stop to think about it, but retirement is life’s biggest expense. It’ll cost more than your kids’ tuition or even your home. That’s because retirement can span up to one-third of your lifetime. It is much like saving for a 25-year vacation.

It’s easy to get caught up in the demands of today (like finding that darned tv remote and arranging your canned soup alphabetically) and to forget about tomorrow. But, truly, to afford an expense of this magnitude, you need to start planning and saving right away. If you don’t already know the answers to these questions, better look into it.

• Who funds retirement?
• How long is income needed?
• How does inflation impact income?
• Why do I need to save now?


"Think of this as your retirement "layaway" plan.

Age has a critical impact on your ability to save. It’s smart to start early and save a little as you go. Otherwise, you’ll need to save a lot later. Let’s say Brenda, age 25, wants to have $250,000 saved by the time she’s 65. If she starts today, she only needs to put aside $71 monthly (assuming 8% interest). Every decade she waits to save, here’s what it will cost her:

Age 25
Save $71/month
Age 35
Save $166/month
Age 45
Save $422/month
Age 55
Save $1350/month


The example is for hypothetical purposes only and is not intended to represent the returns of any specific investment. It does not reflect the deduction of income taxes, which would be due when the money is withdrawn. Dollar-cost averaging, a systematic investment plan, does not ensure a profit or guarantee against loss. Investors should consider their financial ability to continue their purchases through periods of low price levels.

© 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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