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“You’re really saving for a 25-year vacation (or longer).”

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. Accordingly, you need to commit to investing for the long term.



Do...
Do Not...

  • Make delibrate investment choices based on your risk tolerance and number of years to your goal.
  • Continue to contribute as long as you possibly can.
  • Give your investment choices time to work with only periodic adjustments.

  • Make snap investment decisions based on one day's or month's market performance.
  • Reinvest your retirement savings simply to follow up on a buddy's "hot tip".
  • Take loans and withdrawals unless you absolutely must. (Dee will explain.)



“Step away from the money.”

Are you tempted to borrow or withdraw plan funds? It’s best to leave retirement savings alone. Loans that aren’t repaid and withdrawals end up costing you big time when it comes to taxes and penalties. You’d be robbing Future You of retirement income.


© 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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