schaedler yesco distribution inc. 401(k) plan your financial wellness – how to do a check-up on...
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Schaedler Yesco Distribution Inc. 401(k) Plan
Your Financial
Wellness – How to do
a Check-up on Your
401(k) Account
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Conrad Siegel Actuaries Harrisburg based benefits firm
Record keeping - quarterly statements
Conrad Siegel Investment Advisors, Inc. Independent investment consultants
Recommend and monitor investment choices
Who We Are
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Questions You Need to Answer
Are you saving enough?
Are you maximizing your employer’s match?
Are you properly diversified?
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Are you saving enough?
Retirement Savings Worksheet
Complete the worksheet
Decide how much youneed to save now
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Employer matching contribution Discretionary amount Contributed with each payroll period Current Match = 100% up to 3% of
compensation For example:
Employee contribution = $1,000 Employer matching contribution = $1,000!!! (Assumes $1,000 is less than 3% of
compensation.)
Conditions for match: Make a 401(k) contribution
Are you maximizing your employer match?
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Employer matching contribution
Bi-weekly gross pay
$1,400
$1,400
401(k) -$14 -$42
Federal Taxes (15% tax bracket)
-$208 -$204
Net Pay (before other deductions)
$1,178
$1,154
Employee A
Employee B
$24 difference
Are you maximizing your employer match?
Contributing 1%
Contributing 3%
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Employer matching contribution
Employee A
Employee B
401(k) $14 $42
Match $14 $42
Total Contribution $28 $84
$24 reduction in take home pay results in $56 extra in retirement savings every pay check!
Are you maximizing your employer match?
Contributing 1%
Contributing 3%
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Are you maximizing your employer match?
For $24 less each paycheck (or $624 for the year) in take home pay, you have $15,545 more at retirement!
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2% Individual Security Selection
2% Market Timing
96% Asset Allocation
Brinson Studies of 1986 and 1990
Are you properly diversified?
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Risk Assessment Quiz
Complete the risk quiz
Decide your risk level
This will help you makeyour investment choices
Are you properly diversified?
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Your Results
Less Risk More Risk
Are you properly diversified?
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Account Investing Methods
Option AProfessionally
Managed Solution: Lifestyle Funds
Option BEmployee Managed
Solution:Create Your Own
Portfolio
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Lifestyle Funds
If you would rather have an investment professional decide how to invest your account, you can choose one of the Lifestyle Funds, which are portfolios of investments with pre-determined asset allocations.
Less Risk
More Risk
Conservative Moderate Balanced Growth
Vanguard LifeStrategy Income Fund
Vanguard LifeStrategy Conservative Growth Fund
Vanguard LifeStrategy Moderate Growth Fund
Vanguard LifeStrategy Growth Fund
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If you are choosing a Lifestyle Fund, read the description of your Investment Style, and then choose the appropriate LifeStyle Fund.
Balanced - The goal of this asset allocation should be a
balance of asset growth with a fair amount of current
income. This can be appropriate for those with a time
horizon of at least 10 years, which is a full market
cycle. These individuals realize that retirement is far
enough away that they can ride out any account
fluctuations.
Investment Style
Lifestyle Funds
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Create Your Own Portfolio
If you are creating your own portfolio of investments, here is just one sample to help you get started in building a properly diversified portfolio.
Balanced - The goal of this asset allocation
should be a balance of asset growth with a fair
amount of current income. This can be
appropriate for those with a time horizon of at
least 10 years, which is a full market cycle.
These individuals realize that retirement is far
enough away that they can ride out any account
fluctuations.
1991-2010 8.39%
Best Year 36.03%
Worst Year -28.82%
5% Money Market
35% Bonds
27% Large Cap Stocks
6% Mid Cap Stocks
9% Small Cap Stocks
18% Foreign Stocks
Investment Style Average Annualized Returns
Sample Asset Allocation
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Website Tools
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Website Tools
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Website Tools
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Statements Electronically
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Statements Electronically
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Statements Electronically
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Statements Electronically
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Log onto www.my-benefit-info.comfor internet access
Questions? Call our Customer Service Line 1-800-577-3675 M-F 8:00 a.m. to 6:00 p.m., Eastern Time
Website Information
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Complete the Deferral Change Form in your Tool Kit
Return Form to Human Resources
Change will be effective April 1
Increase Your 401(k) Contributions
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Conrad Siegel Investment Advisors, Inc. ("CSIA") is an SEC registered investment advisor with its principal place of business in the Commonwealth of Pennsylvania. CSIA and its representatives are in compliance with the current notice filing requirements imposed upon registered investment advisors by those states in which CSIA maintains clients. CSIA may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. This presentation is limited to the dissemination of general information pertaining to its investment advisory/management services. Any subsequent, direct communication by CSIA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of CSIA, please contact CSIA or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).For additional information about CSIA, including fees and services, send for our disclosure statement as set forth on Form ADV from CSIA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
This presentation contains general information that is not suitable for everyone. The information contained herein should not be construed as personalized investment advice. Past performance is no guarantee of future results. There is no guarantee that the views and opinions expressed in this presentation will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security.
Disclosure
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Schaedler Yesco Distribution Inc. 401(k) Plan