Why Join?
Making the Most of Your Plan of a Lifetime
Planning for your financial future doesn’t have to be an overwhelming
task…not if you take advantage of all the tools Diversified offers. Start
with this brief, guided tour on retirement planning. Even if you’re completely
new to investing, we’ll get you up-to-speed and on your way to saving and
investing wisely in no time. Ready to go? It’s as easy as...
1. How Much Should I Save?
2. What Rate of Return Should I Target?
3. How Should I Invest?
Why Should You Join the Plan?
Your Plan of a Lifetime offers one of the easiest ways to build your assets
and diversify your investments. Here are five reasons why you won’t want
to miss out on this tax-advantaged savings opportunity.
*This example is hypothetical, for illustrative purposes
only and assumes a 28% tax bracket. Rate of return does not reflect the actual
return of any specific investment and is not intended to imply or guarantee future
results. Regular investing does not guarantee a profit or protect against a loss
in a declining market. Because the value of your investment will fluctuate with
market conditions, you should consider your ability to continue investing during
periods of low price levels. |
1. Convenient payroll deduction.
There’s no easier way to save. Your contributions are automatically deducted
from each paycheck and directly invested in the investment options you choose.
2. Pre-tax contributions.
Contributing to your plan gives you an immediate tax break. Because contributions
come out of your paycheck before taxes are calculated, your taxable income is
reduced and you pay less in taxes. Try our Tax Savings Calculator to see how much
you can save in taxes by contributing to your plan.
3. Tax-deferred growth.
Unlike other investments, your retirement plan lets your savings compound free
from taxes until you withdraw your money. Since you don’t have to pay taxes
on your gains each year, your retirement plan assets can grow faster than they
would in a taxable investment earning the same rate of return.
4. Easy answers to tough questions.
All the tools and information your Plan of Lifetime offers takes the guesswork
out of deciding 1) how much to save; 2) what rate of return to target, and 3)
how to invest your assets.
5. Regular progress checks.
Over the years, your Plan of a Lifetime will make it easy
to see to how you’re progressing toward your goals.
In fact, you can monitor and manage your investments online,
anytime. (Click
here for a demo of Diversified Direct Online.)
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Plan
for the Future
