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Furniture Fair - receptions

11-2017
by

Pension Advisors

on 2 November 2018

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Transcript of Furniture Fair - receptions

Investing for
Retirement

USE THE
BUILDING BLOCKS
TO CREATE
ANY KIND OF CHARTS:
Get this Prezi Template from:
http://prezibase.com
2018 Style
THE BEGINNING
WHY Participate & Increase your Contribution
Can't Rely on Social Security
Compounding Interest
Who Wants to Work Forever?


HOW TO GET AHEAD
Diversify for all Seasons
ONLY WAY IS UP
Roth vs. Traditional
FORWARD LOOKING
What's Happening in the Market ??
SUCCESS
Enjoy the Journey . . . & Prepare for the next Leg
Ask for help when needed
Contribute More
Invest Well
Don't Panic in Down Markets
Enjoy life!
GET
CREATIVE
92% of your Success
1. Asset Allocation
2. Contribute More
3. Don't Try to Time the Market
How to Thrive During a Market Correction
Bulls vs Bears


Why Asset Allocation Matter
Let's see what that looks like for an Furniture Fair 401k Participant
Conservative
Moderate 8.9% Return:

$506,484
Aggressive 10.1% Return:
$652,777
Social Security is Taxed
Required Minimum Distribution
Tax Rate
$5,000,000 TODAY
OR
1 penny TODAY
double everyday for a month
Furniture Fair
Conservative
Average Return 1926-2015
7.8%
Moderately Conservative
8.3%
Moderate
8.9%
Moderately Aggressive
9.5%
Aggressive
10.1%
Knowing your Number
How much will I need in Retirement?
How this
LOOKS
in Retirement
$40,000 ending Salary
If you are invested in a Target Date Fund . . you are already Diversified
If you've selected your own portfolio the key is to be diversified across the
Sectors

and
Asset Classes
80%

18 years

4 - 5%
Need:
Live:
Earn:
Know Your Plan Dynamics
Auto-Enroll & Auto-Escalation
3%
Up to 10%
25% up to 4%
(not to exceed $400)
Your Investment Options
Target Date Funds
or
Select your portfolio
TD FUND 2010
TD FUND 2020
TD FUND 2030
TD FUND 2040
TD FUND 2050
own
Bonds:
Face value of
$1000
Interest rate . . .
5%

=
$50
per year until it expires.

You can’t increase the face value, so $50/year is what you will get from the bond

Year 0: $100.
Year 1: Our $100 creates a $50 Growth
Year 2: The $100 generates another $50 Growth. The $50 growth generates a additonal $25 Growth The total is 50 + 25 = 75
Year 3: The $100 creates a third $50 Growth.
The two existing $50 Growths each make $25
The $25 makes a 12.50.
Years 4 to infinity: . . . process repeats forever
Who is Pension Advisors?
Investment Advisory Firm focusing on Retirement Plans and helping individuals meeting their retirement goal;
How Can We Help?
Contact us
www.pa401k.com
www.netbenefits.com
Umbrellas vs. Sun Glasses
YOUR MATCH
Current Salary - $40,000
Tax Rate - 25%
contribute 5%
($2,000)
Adjusted Gross Income = $38,000
Tax Owed in Current Year = $0
In Retirement = $23,474 (8% ROR)
Taxes Owed in Retirement: $6368.50


35 years old
Current Salary - $40,000
Tax Rate - 25%
contribute 5% ($2,000)
Adjusted Gross Income = $40,000
Tax Owed in current year= $500

In Retirement = $23,474 (8% ROR)
Taxes Owed in Retirement: $0


35 years old
Federal Student Loan Assistance
Consolidating your federal education loans can simplify your payments.
Loan consolidation can also give you access to additional
loan repayment plans and forgiveness programs.
Consolidation payments are based on what you
earn

NOT
the
amount of your loan
.
Not everyone qualifies - its based on your income and number of dependents.
https://smartasset.com/investing/inflation-calculator#ra66SuOnne
Full transcript