2017 Regions Bank. SAVING FOR RETIREMENT
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1 SAVING FOR RETIREMENT
2 REGIONS FINANCIAL FUNDAMENTALS This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. This information should not be relied on or interpreted as accounting, financial planning, legal or tax advice. Regions encourages you to consult a professional concerning your specific situation and visit irs.gov for current tax rules. 3
3 SAVING FOR RETIREMENT [Add your name and title here] 40 Minutes 4
4 AGENDA Today we will focus on these big questions Why is it important to save for the future? 2. How much should I be saving for the future and when should I start? 3. How do I develop a savings plan for my future retirement? This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. This information should not be relied on or interpreted as accounting, financial planning, legal or tax advice. Regions encourages you to consult a professional concerning your specific situation and visit irs.gov for current tax rules. 5
5 Retirement Mature Family/ Adult 6 Young Adult
6 the time now to start is 7
7 tax incentives inflation time-value of savings why save now? 9
8 Retirement Major Illness Fire Car Repair Job Loss 10
9 sounds me? good, but SAVE? really? 11
10 TODAY S CONSUMER Plan for Finances Emergency Fund Paycheck to Paycheck Feel Behind 12
11 how important is saving? 13
12 Pay off credit card debt Start a savings plan Set aside cash for emergency funds Acquire life or disability insurance Set Financial Goals Short-Term Goals 14
13 Start college savings Diversify your investments Contribute maximum to 401(k) and IRA Set Financial Goals Medium-Term Goals 15
14 Purchase retirement property Setting retirement age Maintain pre-retirement standard of living Set Financial Goals Long-Term Goals 16
15 NAME THAT SAVINGS PRODUCT CERTIFICATE OF DEPOSIT MONEY MARKET ACCOUNT STATEMENT SAVINGS ACCOUNT 17
16 HOW DO INVESTMENTS EARN MONEY? RISK $$$ Sell for more than you paid Receive dividends and interest earnings Investing Investment is a long-term savings option for future income or financial benefits 19
17 re-evaluate target diversify learn research talk 20
18 NAME THAT INVESTMENT PRODUCT MUTUAL FUNDS U.S. TREASURY SECURITIES STOCKS RETIREMENT INVESTMENTS SAVINGS BONDS 22
19 SAVING FOR RETIREMENT START SAVING FOR RETIREMENT AS SOON AS POSSIBLE TRY TO REDUCE OR ELIMINATE DEBT CUT BACK ON UNNECESSARY EXPENSES PAY OFF YOUR CREDIT CARD BALANCES AND OTHER LOANS 23
20 Long-Term Goals Saving for retirement In an Individual Retirement Account (IRA) you deposit money into an account yourself A 401(k) plan is a retirement savings plan established by an employer 24
21 LIFE STAGES TYPICAL NEEDS Establish a household or purchase a home Establish credit Buy a car Regions 2017 Bank. Regions Bank.
22 26 LIFE STAGES 2017 Regions 2017 Bank. Regions Bank. TYPICAL NEEDS Purchase a first or replacement home Family vacations Save for college Establish retirement plan
23 LIFE STAGES TYPICAL NEEDS Pay off mortgage Grow retirement Assist with child s first home or wedding Regions 2017 Bank. Regions Bank.
24 LIFE STAGES TYPICAL NEEDS Turn retirement savings and pension into income Manage savings so it lasts Estate planning Regions 2017 Bank. Regions Bank.
25 DEVELOPING A RETIREMENT SAVINGS PLAN SET REALISTIC GOALS IDENTIFY RETIREMENT INCOME NEEDS DETERMINE HOW MUCH YOU NEED TO SAVE 30
26 RETIREMENT SAVINGS PLAN Decision Factors 1. How much money do you want to accumulate over a certain period of time? 2. How long can you leave your money invested? 3. How do you feel about risking your money? 31
27 RETIREMENT SAVINGS PLAN Action Plan 1. What will I do now to save toward my goals? 2. What will I do by the end of the month to save toward my goals? 3. What will I do by the end of the year to save toward my goals? 33
28 WHAT CAN YOU DO? 34
29 tools savings 35
30 CONGRATULATIONS Today, you will leave with: A deeper understanding of the importance of saving for the future Knowledge of how much you should be saving Advice on when you should start saving Tools and resources to help you develop a savings plan for your future retirement Thank you. 36
31 Learn More About Meeting Your Financial Goals 1 Make an appointment with a Regions banker: Call the Regions Green Line at REGIONS Go to regions.com and click Make an Appointment Visit any Regions branch 2 Visit the Regions Financial Learning Center for free, online interactive videos: Regions.com/learn 3 Use our online resources including articles, videos, and calculators: Regions.com/insights 37
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