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Retirement Tips for Investors of All Ages
Right now retirement may seem a lifetime away. Who has time to think about tomorrow when you’re struggling with the demands of today? Yet, every year you wait to invest puts you further away from your ultimate goals. If you put time on your side, it can be one of your strongest allies. The key is to start saving now. Start Early Most people find it easier to come up with a small contribution every month, rather than put together a large contribution just before the tax-filing deadline. There is no minimum investment amount necessary to open an IRA at U.S. Global Investors. In fact, many investors find the easiest way to contribute to an IRA is with our ABC Investment Plan.® The ABC Investment Plan® is a dollar-cost ave raging strategy that allows you to build a position in a fund by investing a set amount on a regular basis.* Of course, no investment plan can guarantee a profit or protect against loss in a declining market, but the ABC Investment Plan® can help smooth out the effects of market volatility. Earn a Competitive Yield If you have assets in a savings account, CD or bank money market account, we suggest you check out the U.S. Government Securities Savings Fund. This is a money market fund where you have the potential to earn more for your money. Invest in Equities The U.S. stock market has provided investors with generous rewards over time. The key to investing is to have a long-term perspective. That’s why stock funds can be ideal investments for generating capital appreciation for retirement savings. Our Bonnel Growth Fund, which currently focuses on growth stocks in technology, healthcare and retailing, and our All American Equity Fund are two growth funds you may want to consider. Diversify Globally Investment opportunities are often found in developing and emerging markets around the world, making it easy for you to diversify your IRA. The Regent Eastern European Fund capitalizes on the growth potential of the emerging markets of Europe, including Russia, Poland and Hungary. The China Region Opportunity Fund gives you direct access to the growing and emerging markets in Asia. And, our Global Resources Fund specializes in global growth opportunities in the natural resources sector. Please keep in mind that foreign and emerging market investing may be affected by unpredictable international monetary and political policies, so please read the prospectus carefully before investing. Generation X When you’re just starting a career, retirement planning is probably not a priority. But it should be. Every penny you save now will compound and generate returns in the future. If your employer offers a retirement plan, sign up for it as soon as possible. Your employer may even match your contributions. Open an individual retirement account (IRA) and have your monthly contributions automatically transferred from your ch e cking account or your paycheck. (There is no minimum investment amount to open an IRA at U.S. Global Investors.) Call us and we’ll set it up for you. With time on your side, go for the growth. Baby Boomer These are your prime earning years. Use the extra income to accelerate your savings. Make the maximum contribution to your IRA and your retirement plan at work. Calculate your anticipated retirement income from all sources. (The retirement planning worksheets on our website – www.usfunds.com – can help.) Allocate a healthy portion of assets to growth investments. (Use our on-line asset allocation tool for help in building your portfolio.) If you expect to change jobs, let us show you how to accomplish a tax-free rollover from your retirement plan, so your money continues to grow on a tax-free basis. Soon to Retire Start to shift toward conservative liquid investments. Even if you retire at 65, your retirement savings may need to last for decades. So don’t completely cash out of growth investments. They can still play a key role in your asset allocation. Start to plan how you will invest the proceeds of your retirement plan once you withdraw them. And learn how to avoid taxes and penalties when you retire by making a tax-free rollover from your retirement plan to an IRA. Retired You’ll need to maximize your retirement income now. Seek out a high-yielding, low-risk fund for your cash. (Ask an investor representative about our money market funds.) It’s time to take profits, so start reaping the rewards of your growth investments. Don’t forget that you are required to take your minimum distribution from your IRA by age 70½. You can continue to stay one step ahead of Uncle Sam by investing your income in tax-free funds. Your dividend income will be exempt from federal income taxes. (Please note that tax-exempt income may subject certain investors to the alternative minimum tax.) What Do I Do Now? Call an investor representative today at 1-800-US-FUNDS to find out how you can start saving for your retirement. Or visit the Retirement/IRA section of our website (www.usfunds.com) to learn more about retirement planning. Important Financial Planning News The Social Security Administration is mailing annual statements to 125 million workers age 25 or older. The statements offer workers estimates for retirement, disability and survivor’s benefits. They also provide workers an easy way to determine whether their earnings are accurately posted on their Social Security records. Put this Information to Work for Your Retirement Your Social Security statement is an important financial planning tool. At current benefit levels, Social Security is expected to replace only 42% of the average wage earner’s current income. You’ll need to tap into several sources to accumulate a retirement nest egg. That’s where U.S. Global Investors can help. Visit our Retirement/IRA section at www.usfunds.com to find our more about individual retirement accounts (IRAs) and planning and investing for retirement. Or, call an investor representative at 1-800-US-FUNDS and ask for our retirement planning guide. Remember, it’s never too early – or too late – to develop a retirement savings plan! * You should evaluate your ability to continue in such a program in view of the possibility that you may have to redeem fund shares in periods of declining share prices as well as periods of rising prices. An investment in the U.S. Government Securities Savings Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or by any other government agency. Although this fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Bank money market funds and CDs offer a guaranteed rate of return, guarantee principal and interest and are generally insured by the FDIC. The adviser for the All American Equity Fund guaranteed total fund operating expenses (as a percentage of net assets) will not exceed 1.0% through 6/30/2000. |
