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Finding an investment mix that may be right for you

Investing in a variety of funds is important to the overall health of your portfolio. One of the biggest factors in determining your

approach to investing is getting an idea of how comfortable you are with risk.

Understanding your risk tolerance

Circle the number that represents how much you agree or disagree with each of the following statements.

1. I have a good understanding of the relationship between investment risk and return. I am generally comfortable taking a greater

amount of risk with my investment portfolio in exchange for higher potential returns.

2. If one of my portfolios dropped 20% in value over six months due to a stock market fluctuation, I would keep that portfolio,

expecting it to recover its value.

3. I have significant assets outside of this account that I can rely on for my future retirementneeds.

Disagree 1 2 3 4 5 Agree

Investment time horizon Tolerance score

0-5 years 3 4 6 7 ≥9

5-10 years ≤5 6 7 9 ≥10

10-15 years ≤6 8 9 10 ≥12

15-20 years ≤8 9 11 12 ≥13

20+ years ≤9 11 12 14 15

Conservative Moderate Aggressive

Now add up the numbers you circled above to get your risk tolerance score:

Find your score below to help determine your approach



CMAA National 401(k) Plan • empowermyretirement.com

40%

60%

Understanding the different approaches

Investing your money in different asset classes can help you balance your risk based on your risk tolerance and when you plan to retire.

Securities offered or distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company.

This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice. Asset allocation, diversification and rebalancing do not ensure a profit and do not protect against loss in declining markets.

Great-West Financial®, Empower Retirement and Great-West Investments™ are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC.©2019 Great-West Life & Annuity Insurance Company. All rights reserved. ERMKT-FLY-4156-1903 (24410) RO751346-0319

Unless otherwise noted, investments are not deposits, insured by the FDIC or any federal government agency, or bank guaranteed and may lose value.

Risk/Reward

Measuring the amount of risk you want to take while remaining comfortable with

your investments is very important and can vary as your situation changes or as you

approach retirement.

Fixed-income options

Assets that can generally be converted to cash quickly include money market

deposit accounts, money market funds and bonds. When you purchase a bond, you

lend money to the issuing entity and earn a specified rate of interest.

Equities

A stock is a share in the ownership of a company and represents a claim on the

company’s assets and earnings.

LOWER risk

LOWER potential returns

HIGHER risk

HIGHER potential returns

STAY IN THE

KNOW WHEN

YOU’RE ON THE GO

Stay up to date and see what’s

new in your plan from anywhere

at any time. To make sure your

communication preferences and

email are up to date, go to your

profile page and click your name in

the top right corner of the page.

@

Moderate

You are comfortable with some volatility. This

mix is a balance between lower- andhigher-risk

investments. The risk-and-return potential is

greater than with the conservative mix, but less

than with the aggressive mix.

Aggressive

You are comfortable with investments

that have higher risk and potentially

higher returns.

$

40%

60%

22%

78%

Conservative

You are comfortable with investments

that have lower risk and potentially

lower returns.

Equity allocation

Fixed-income allocation

FOR ILLUSTRATIVE PURPOSES ONLY. These risk tolerance questions and models provide generalized information and are not investment advice.Consider consulting an investment advisor if you would like individualized assistance with selecting an asset allocation strategy and investments. Eachof the three models shown above represents the equity allocation midpoint of three of the five Morningstar U.S. fund allocation peer groups. Thesemodels were backtested using historical monthly returns since 1977 (when data was first available for each index) from the S&P 500® and the BloombergBarclays US Aggregate Bond Index to represent each model’s equity and fixed-income allocations, respectively. By comparing the performance of eachof these models, you can observe that the historical return and risk both increase as equity allocations increase from the conservative to aggressivemodels. In line with that expectation, the range of outcomes in any rolling one-year period becomes wider as the equity allocation increases. In applyinga particular asset allocation model to your individual situation, you should consider other assets, income and investments in addition to the account youare considering for investment to the extent the model does not consider these additional assets.

We’re here to help!Visit empowermyretirement.com

Call 800-338-4015

Stay on track by going online

Get your score, see how you compare and view next steps Visit your plan website to quickly and easily see how much you’ve saved and more. Simply log in to your account to:

• View your estimated monthly retirement income and see if yourfuture savings are on track.

• Model different savings scenarios and view the possible outcomes.

• Make changes to your account with just one click.

Your home page at a glance

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1. Know your estimated monthlyincome in retirementYour retirement plan can help you worktoward an estimated monthly income inretirement to:

• Find out how much income you mayhave in retirement.

• See the effects of any changes you makein real time if you made adjustments.

• Put your savings in context.

• Request changes immediately.

2. Get your account detailsClick on your plan name to:• See your balance.• Get fund information.• View your statements.• And more.

3. Receive plan messagingBulletins posted to your home page help youstay up to date on plan events and changes.

4. Quickly link to Me & My MoneyHere you will find the Empower Wellnessand Financial Center with information,videos and calculators to help you addressimportant financial needs. Me & My Moneyis organized into four key areas — Spending,Saving, Investing and Protecting — andsuggests next steps.

5. Access your personal profileClick your name to:• Choose electronic communications.• Make or update a beneficiary designation,

if applicable to your plan.• Update your contact information.• Make sure your communication

preferences and email are up to date.

FOR ILLUSTRATION PURPOSES ONLY

To experience all these features and more, visit

empowermyretirement.com

OR

For more help, call 800-338-4015. Live representatives

available Monday through Friday 8am– 10pm Eastern

time and Saturdays 9am–5:30pm Eastern time.


Stay on track by going online

Securities distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company.This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice.

IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time. Healthcare costs and projections, if applicable, are provided by HealthView Services. HealthView Services is not affiliated with GWFS Equities, Inc. Empower Retirement does not provide healthcare advice. A top peer is defined as an individual who is at the 90th percentile of the selected age band, salary range and gender.

iPhone, iPad, Apple Watch and App Store are trademarks of Apple Inc.

Android and Google Play are trademarks of Google LLC.

Great-West Financial®, Empower Retirement and Great-West InvestmentsTM are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC. ERMKT-FLY-3948(22563)-1901 • RO702036-0119

See the other side for helpful features on the site, including:

• Your retirement income score — see howyou’re tracking

• Account management

• How to make changes with one click

Get the mobile app and connect to your plan whenever, whereverView and manage your plan anywhere, anytime with the Empower Retirement app for your mobile device or Apple Watch®. Available in the App Store® from Apple® for iOS or on Google Play for AndroidTM.

Start by registering your account • Log on and select Register.

• Choose the I do not have a PIN tab.

• Follow the prompts to create your usernameand password.

If we don’t have your email or phone number on file from your employer, or if you have another account with Empower (with a former employer, for example), you will need to call to access your new plan account.

<For more help, call <phone>. Live representatives available Monday through Friday 6am– 8pm Mountain time and Saturdays 7am–3:30pm Mountain time.>

NOW IS A GOOD TIME

For more help, call 800-338-4015. Live

representatives available Monday through

Friday 8am– 10pm Eastern time and Saturdays

9am–5:30pm Eastern time.



Regular checkups now can help keep your future finances healthy

Shape up your savings

Like your physical health, your financial health depends on smart choices and regular checkups. Here are some steps you can take to help you get or keep your retirement savings in shape.

NOW IS A GOOD TIME

STAY IN THE KNOW WHEN YOU’RE ON THE GO

Stay up to date and see what’s new in your plan from anywhere at any time.

To make sure your communication preferences and email are up to date, go to your profile page and click your name in the top right corner of the page.

View your estimated monthly retirement income on your plan website to see if you’re saving enough for the future you want.

Make small increases to your savings on a regular basis; they might make a big difference down the road.

Review your investment mix periodically and make changes when needed; the investment mix that’s appropriate for you changes over time.

Consider contributing even more as you near retirement through catch-up options that may boost your savings.

Update your beneficiary as your marital status or family situation changes to help ensure your benefits go to the individual(s) you choose.

@

%

7 8 9 ÷

4 5 6 x

1 2 3

0 . + =

+


Get started on your checkup online or by phone.


800-338-4015

Securities offered or distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company.IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time.

This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice.

Great-West Financial®, Empower Retirement and Great-West Investments™ are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC. ©2019 Great-West Life & Annuity Insurance Company. All rights reserved. ERMKT-FLY-4150-1811 AM613320-1118

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Saving $25 more a

month now

Could add $180 more a month in retirement*

Start saving more for retirement Review your account to see whether the amount you’re saving now is keeping up with your plans for the future. Changing your contribution rate is easy, and increasing it by just a little can really add up over time.

A little more now could become a lot more for your future

Increase your contribution!

Log on: Call:

NOW IS A GOOD TIME*FOR ILLUSTRATIVE PURPOSES ONLY. This is a hypothetical illustration to show the value of an increase in contributions. This hypotheticalillustration is not intended as a projection or prediction of future investment results, nor is it intended as financial planning or investment advice. It assumes monthly contributions of $25, a 6% average annual rate of return and reinvestment of earnings with no withdrawals over a30-year period followed by 20 years of monthly withdrawals of $179.92, including a 6% average annual rate of return, beginning at age 65. Ratesof return may vary. This illustration does not include any charges, expenses or fees that may be associated with your plan. The tax-deferredaccumulations shown above would be reduced if these fees were deducted.

Securities distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidiary of Great-West Life & Annuity Insurance Company.

This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice.

Great-West Financial®, Empower Retirement and Great-West Investments™ are the marketing names of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: New York, NY, and their subsidiaries and affiliates, including registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC. ©2019 Great-West Life & Annuity Insurance Company. All rights reserved. ERMKT-FLY-7103-1902 (20268) RO702086-0119

Save more for the future you want

CMAA NATIONAL 401(K) PLAN

800-338-4015


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