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RETIREMENT
SAVINGS
STRATEGIES
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This presentation has been prepared by [Add Firm Name Here], for general
education and informational purposes only and is not intended to provide
legal, tax, or investment advice. This material does not provide fiduciary
recommendations concerning investments or investment management; it is
not individualized to the needs of any specific benefit plan or retirement
investor, nor is it directed to any recipient in connection with a specific
investment or investment management decision. Any tax-related discussion
contained in this presentation, including any attachments, is not intended or
written to be used, and cannot be used, for the purpose of (i) avoiding any tax
penalties or (ii) promoting, marketing, or recommending to any other party
any transaction or matter addressed herein. Please consult your independent
legal counsel and/or professional tax advisor regarding any legal or tax issues
raised in this presentation.
WHY ARE WE HERE?
YOUR SAVINGS TODAY BECOMES YOUR INCOME IN RETIREMENT.
ACCUMULATION
Today
DISTRIBUTION
Retirement
COMPOUNDING
COMPOUNDED SAVINGS OVER 45 YEARS
SAVING $500 PER MONTH
Account Value
at Age 65
Years of Saving
10 years
no contributions
$918,000
no contributions
35 years
$861,000
45 years
Age 20
$1,779,000
30
65
This chart is for illustrative purposes only. This is not meant to represent the performance of the investment options in your plan. These amounts assume $500
invested each month and a 7% annual rate of return net of fees. Contributions are assumed to be invested at the beginning of each period, compounded monthly.
All investments involve risk, including possible loss of principal.
PLAN FEATURES
Plan
Eligibility
Contribution
Limits
Contribution
Types
Company
Contributions
Vesting
Schedule
You are eligible to participate in
the plan [plan-specific detail]
PLAN FEATURES
Plan
Eligibility
Contribution
Limits
You can contribute:
Between [xx%] and [xx%] of
your pay to your plan
Up to the IRS limit:
$18,000 for 2017
Contribution
Types
Company
Contributions
Vesting
Schedule
These limits exclude any after-tax (non-Roth) contribution limits discussed on next slide.
Up to an additional $6,000 if
you will be age 50 or over by
the end of the year and
contribute the maximum
allowed by your plan
PLAN FEATURES
Plan
Eligibility
Contribution
Limits
Contribution
Types
Company
Contributions
Vesting
Schedule
You can make before-tax
[and/or Roth and/or after-tax]
contributions to the plan
PLAN FEATURES
Plan
Eligibility
Contribution
Limits
Contribution
Types
Company
Contributions
Vesting
Schedule
For slide variations, see the
Plan Features presentation.
Company Contribution:
[Describe the company
match here]
[Contribution
type]
Years of
service
[xx%]
[xx years]
[xx%]
[xx years]
[further plan-specific detail on
contribution type]
PLAN FEATURES
Plan
Eligibility
Contribution
Limits
Contribution
Types
Company
Contributions
Vesting
Schedule
For slide variations, see the
Plan Features presentation.
Company Contribution:
Vested
percentage
Years of
service
[xx%]
[xx years]
[xx%]
[xx years]
[xx%]
[xx years]
[xx%]
[xx years]
[xx%]
[xx years]
You are always 100% vested
in the salary deferral portion
of your account.
Please choose this slide (with company match) or the next slide (without company match).
RETIREMENT SAVINGS: HOW MUCH?
Investors
who are:
15%
Consider working toward having:
30
half of their salary saved today
35
1x their salary saved today
40
2x their salary saved today
45
4x their salary saved today
50
6x their salary saved today
55
8x their salary saved today
60
10x their salary saved today
65
12x their salary saved today
If possible,
GET THE
FULL MATCH
Consider increasing contributions by
2% annually to build toward 15% target
Please choose this slide (without company match) or the previous slide (with company match).
RETIREMENT SAVINGS: HOW MUCH?
Investors
who are:
15%
If possible,
strive to
SAVE
6%
Consider increasing contributions by 2%
annually to build toward 15% target
Consider working toward having:
30
half of their salary saved today
35
1x their salary saved today
40
2x their salary saved today
45
4x their salary saved today
50
6x their salary saved today
55
8x their salary saved today
60
10x their salary saved today
65
12x their salary saved today
ANNUAL CONTRIBUTION INCREASES
$ 800,000
Contribution rate increased by 2% per year
No annual increase in contribution rate
600,000
$759,014
400,000
200,000
$333,432
0
1
2
3
4
5
6
7
8
9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
This is a hypothetical example for illustrative purposes only and is not meant to represent the investment return of any of your plan’s options. Assumes a starting
salary of $40,000, which increases an average of 3% annually. The assumed initial contribution rate is 6% with a 7% annual return net of fees. The example goes
further to assume a 2% annual increase with a 15% cap. Your situation will vary. All investments involve risk, including possible loss of principal.
PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual
Funds/Trusts
Bond Mutual
Funds/Trusts
Money Market Funds/
Stable Value Trusts
Age-Based
Investments
[xx]
PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual
Funds/Trusts
Bond Mutual
Funds/Trusts
Money Market Funds/
Stable Value Trusts
Age-Based
Investments
[xx]
PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual
Funds/Trusts
Bond Mutual
Funds/Trusts
Money Market Funds/
Stable Value Trusts
Age-Based
Investments
[xx]
PLAN FEATURES: INVESTMENT OPTIONS
Stock Mutual
Funds/Trusts
Bond Mutual
Funds/Trusts
Money Market Funds/
Stable Value Trusts
Age-Based
Investments
[xx]
PLAN FEATURES: INVESTMENT OPTIONS
[xx]
Stock Mutual
Funds/Trusts
[xx]
Bond Mutual
Funds/Trusts
[xx]
Money Market Funds/
Stable Value Trusts
Fill in website address where participants
can obtain additional information
FURTHER DETAIL AT
website address
 Current list of investment options
 Performance information
 Morningstar fund fact sheets
[xx]
Age-Based
Investments
All investments involve risk, including possible loss of principal.
Add/delete based on what participant can
find at the website listed above
ASSET ALLOCATION
90%–100%
Stocks
Age:
20s
Age:
50s
■ Stocks
0%–10%
Bonds
50%–65%
Stocks
20%–30%
Bonds
25%–35%
Bonds
Age:
60s
5%–15%
Money
Market/Stable
Value
80%–100%
Stocks
Age:
40s
0%–10%
Bonds
60%–80%
Stocks
0%–10%
Money
Market/Stable
Value
■ Bonds
Age:
30s
90%–100%
Stocks
0%–20%
Bonds
20%–50%
Stocks
Age:
70s and
over
35%–50%
Bonds
15%–30%
Money
Market/Stable
Value
■ Money Market/Stable Value
These allocations are age-based only and do not take risk tolerance into account. These asset allocation models are designed to meet the needs of a hypothetical investor
with an assumed retirement age of 65 and a withdrawal horizon of 30 years. The model allocations are based upon an analysis that seeks to balance long-term return
potential with anticipated short-term volatility. The model allocations reflect the view of appropriate levels of trade-off between potential return and short-term volatility
for investors of certain age ranges. The longer the time frame for investing, the higher the allocation is to stocks (and the higher the volatility) versus bonds or cash.
Limitations:
While the models have been designed with reasonable assumptions and methods, each model is hypothetical only and has certain limitations.

The models do not take into account individual circumstances or preferences, and the model displayed for your age may not align with your
accumulation time frame, withdrawal horizon, or view of the appropriate levels of trade-off between potential return and short-term volatility.

Investing consistent with a model allocation does not protect against losses or guarantee future results.
Please be sure to take other assets, income, and investments into consideration when reviewing results that do not incorporate that information.
Other educational tools or advice services may use different assumptions and methods and may yield different outcomes.
PLAN FEATURES
Withdrawals
Loans
Beneficiaries
For slide variations, see the
Plan Features presentation.
Under specific circumstances,
you have access to your
vested account balance
PLAN FEATURES
Withdrawals
Loans
Beneficiaries
For slide variations, see the
Plan Features presentation.
You have the option to
borrow from your vested
account balance
PLAN FEATURES
Withdrawals
Loans
Beneficiaries
For slide variations, see the
Plan Features presentation.
In the event of your death,
your designated beneficiaries
will inherityour account
MONITOR YOUR ACCOUNT ONLINE
Please add in any graphics you think are
appropriate-like images of participant websites or
account summaries:
•
Quickly view and access accounts
and balances
•
Perform transactions
•
Check in on your progress toward retirement
•
Research investments
•
Log in wherever you are, whatever your
device (if that is true)
GETTING STARTED
Add screen images of enrollment/sign-up
process to show how easy it is to get started.
IT’S YOUR
FUTURE.
SAVE
ENOUGH FOR
RETIREMENT.
WE’RE HERE
TO HELP.
Add your logo,
telephone number,
email/website
C6Q1YA1X3
201704-XXXXXX
4/17
TO PLAN SPONSORS
This presentation should only be used as a visual presentation for client meetings.
This program should not be altered, printed, distributed, or posted for employees to
access.
TO WEB MEETING ATTENDEES
This web meeting may be recorded and posted for other employees to access.
For security reasons, please do not speak or email any personal information during
this meeting. For example, you should not give your address, Social Security
number, or account information during this web meeting.
LINKED SLIDES
These slides remain at the back of the presentation and can be linked
from within the presentation (via gears) if the rep feels it’s necessary
to support their talking points
AUTO-ENROLL

You are enrolled automatically into your employer's plan once
you're eligible.

You must give specific instructions to be excluded (opt out) during
a specific grace period.

You are enrolled with a default deferral percentage and
investment option.

You can change your contribution rate or investment at any time.
AUTO-REBALANCING
 Automatically rebalances your account to your selected investment
allocation strategy.
 Lets you select quarterly, semiannual, or annual rebalancing.
 Helps you stay in line with your risk tolerance and helps reduce longterm account volatility.
Diversification cannot assure a profit or protect against loss in a declining market.
AUTO-INCREASE

Automatically increases your payroll deduction each year.

Lets you choose the amount of the increase and the month you
want it to occur
SEE THE “PLAN FEATURES” CORE
PRESENTATION FOR SLIDE VARIATIONS