some things can wait… your future isn’t one of them
TRANSCRIPT
Some things can wait… your future isn’t one of them.Some things can wait… your future isn’t one of them.
LIFE COMES AT YOU FAST® Get ready now. Be ready later.
Security Simplicity Control
Do it for yourself
50%
33%84,000
Will your pension be enough?
1)Source: NCPERS Research Series: The Top Ten Advantages of Maintaining Defined Benefit Pensions. May 20072)Source: Secrets to Living Longer With Barbara Walters, ABC News Special, www.abcnews.com, April 20083)Source: Testimony of Dallas L. Salisbury, President, Employee Benefit Research Institute (EBRI) to House Ways and Means Committee. 1997
Average annual public pension %
ending salary after 25-years service1
People over 100 years-old
in the U.S.2
“Greater confidence in UFOs than
Social Security”3
55% 50,000 25%
• Employer-sponsored
• Group pricing
• Investment selection
• Experience of Nationwide
Your employer can help
Assumes an annual income of $38,000 and a 25% tax rate. Withdrawals are taxed as ordinary income.Neither Nationwide or its representatives give tax or legal advice.
=
In account Out of take-home pay
$75 from your take-home pay is
$100 in your account
$75 from your take-home pay is
$100 in your account
Money goes in before taxes come out
Compounding can help you reach your goals
This illustration is a hypothetical compounding example that assumes bi-weekly deferrals of $100 (for 35 years) at an 7% annual effective rate of return. It illustrates the principle of time and compounding. It is not intended to predict or project the investment results of any specific investment. Investment returns are not guaranteed and will vary according to market experience. If fees, taxes and expenses were reflected, the hypothetical returns would be less.
$ from 7% growth(average rate of return)
$100 from Chris’s pay (principal) $91,000 Principal
Principal x 1
Principal x 2
Principal x 3
Principal x 4
Growth
$371,370
Chris’s accountChris’s account
Balance after 35 years
$100 per bi-weekly pay, 7% hypothetical growth rate until age 65
Starts at age 30Stops at age 40
Contributes for 10 years
Starts at age 40Stops at age 65
Contributes for 25 years
JaneJane DonDon
$201,453$169,917
invested
$26,000
invested
$65,000
This illustration is a hypothetical compounding calculation assuming a rate of return of 7%. It is not intended to serve as a projection or prediction of the investment results of any specific investments. Investments are not guaranteed. Depending on the underlying investments, returns may be higher or lower. If fees and expenses had been considered in this illustration, the return would have been less. Interest compounded annually based on bi-weekly contributions.
Starting early can have a lasting impact
It’s your money—you’re in control
Investing involves risk including possible loss of principal
• You decide how much to invest
• Start or stop any time
• Make changes in-person, online or by phone
• Emergency withdrawals
You decide how to invest
Conservative investments typically have less growth (and loss) potential than more aggressive investments
-5%
+5%
+15%
-15%
+25%
-25%
-1%
+3%Conservative Aggressive
This illustration is not intended to serve as a projection or prediction of the investment results of any specific investments. Investments are not guaranteed.
The use of asset allocation does not guarantee profits or insulate from losses in a down market.
You decide where to invest
Fund prospectuses can be obtained by calling 800-891-4749. Before investing, carefully consider the fund’s investment objectives, risks, and charges and expenses. The fund prospectus contains this and other important information. Read prospectuses carefully before investing. Investing involves market risk including possible loss of principal.
Confident choosing & managing investments
Want professional asset allocation
Want automatic re-balancing
Want to hire experts to actively manage your investments
Nationwide
ProAccount®
Nationwide Investor Destinations®
Do it yourself Nationwide Target Destinations®
Some things can wait…Your future isn’t one of them.Some things can wait…Your future isn’t one of them.
Do it for yourself
1. Decide how much to invest
2. Choose what to invest in
Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.
Professional money management for Nationwide ProAccount is provided by Nationwide Investment Advisors, LLC, an SEC-registered investment advisor. Nationwide Investment Advisors, LLC, has hired Wilshire Associates as the independent financial expert.
Retirement Specialists are registered representatives of Nationwide Investment Services Corporation, member FINRA. In MI only Nationwide Investment Svcs Corporation©2008 Nationwide. One Nationwide blvd. Cols.OH 43215. Nationwide, the Nationwide framemark, On Your Side and Life Comes at You Fast are federally registered service marks of Nationwide mutual insurance company.
Two easy decisions to make today
NRM-4952AO.2 (06/08)
Application
Application
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Simplify with a single account
Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can access funds. Assets rolled-over from your account(s) may be subject to surrender charges, other fees and/or a 10% penalty if withdrawn before age 59½.