美国探究生课程-福利管理401k基础知识.ppt

How do I choose my investments? When it comes to investing for retirement, would you consider yourself a knowledgeable investor? No 1 Somewhat 3 Yes 5 Look at your risk profile… How do I choose my investments? You’d feel best if you made an investment that: Doubled your money in the first year, 5although it had an equal chance of losing 50% Grew slowly but steadily 1 Doubled your money in 10 years, 3with less chance of loss Look at your risk profile… How do I choose my investments? Your idea of a smart retirement savings strategy is: You save as much as you can, don’t take 1chances, and hope you’ll have enough For the sake of getting the best long-term 5growth, you accept the risk of ups and downs To earn returns that will keep you ahead 3of inflation, you live with moderate risk Look at your risk profile… How do I choose my investments? Add up your score… You are a low-risk investor who wants maximum stability for your money 4–8 Low-risk You are a moderate-risk investor who likes balance between low-risk and higher-risk investments 9–14 Moderate-risk You are a high-risk investor, comfortable taking substantial risk in exchange for potentially higher returns 15–20 High-risk What is a Redemption Fee? A fee charged to investors who sell shares prior to the expiration of the designated holding period Redemption fees are intended to protect the investment option, and their long-term investors and will only impact investors who sell shares before the expiration of the designated holding period Redemption fees are paid to the investment to help offset transaction costs Some fund families, including T. Rowe Price funds, began assessing redemption fees for retirement plan participation in certain investments starting on January 1, 2005 To see an updated list of investment options impacted by redemption fees, go to /redemptionfees Today, we’ll cover: The change – what’s happening to your plan The advantage – what’s in it for you Your role – what you n