John Hancock Funds 10 February 2015
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1 Erdal Elmas, CFP Brian Waak, CFP CUSO Financial Services, L.P. NASA Federal Investment Center NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY. Disclaimer *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ( CFS ), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. NASA Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. 2 STRATEGY #1 Know where you stand today Where does money go? Income Expenses Assets and income Liabilities 3 10 Proven Strategies 1
2 STRATEGY #1 Know where you stand today Are you happy with this picture? Assets Liabilities Total Net Worth 4 STRATEGY #2 Be prepared for emergencies Don t wait until there s a crisis! Financial emergencies Medical emergencies Personal emergencies 5 STRATEGY #2 Be prepared for emergencies Make life simplerfor yourself Completethese worksheets and keep them updated and easily located 6 10 Proven Strategies 2
3 STRATEGY #3 Insure for the unexpected Most people need life insurance How much? Consider 5 to 7 times your annual income Don t forget to insure a stay-at-home spouse Differentlife insurance for people s needs and budgets Disability and long-term care 7 STRATEGY #4 Create a will and estate plan Most people need a will Put your wishes in writing Determine who will inherit what Name a guardian for your children Name the executor of your estate 55% 55% of people do not have a will ¹ 1 Forbes, A Common Sense Approach to Estate Planning, January 19, STRATEGY #4 Create a will and estate plan Estate planning is more than just taxes Protects your assets during your lifetime and distribute them properly when you die Not just for the wealthy! Make sure you consider Family members with special needs Divorced Remarried Stepchildren etc Proven Strategies 3
4 STRATEGY #4 Create a will and estate plan Estate planning helps Minimize death expenses Avoid death taxes Deliver assets to the proper people Help a business to survive Easethe burden on your heirs Namea guardian for yourself, should you become incapacitated 10 STRATEGY #5 Reduce debt Some credit card facts Average interest rate on personal credit cards is over 12% ¹ Nearly three quarters of American families have a general purpose credit card ² Median credit card balance is $3,000 ² Over 25% of families who hold a credit card hardly ever pay off the balance ² 1 The Federal Reserve Statistical Release, Consumer Credit, January U.S. Census Bureau, Statistical Abstract of the United States, STRATEGY #5 Reduce debt All debt is not created equal Some debt, like mortgages, is considered good Low interest rates can let you pay less! Consider refinancing and consolidating college loans, if applicable Home Mortgage Rates, The Federal Reserve, Contract Rate on 30-Year, Fixed- Rate Conventional Home Mortgage Commitments, Proven Strategies 4
5 Growth of $1 over time, Source: ENCORR Software, 2011 Morningstar, Inc. All rights reserved. Used with permission. The information contained herein:(1) is proprietary to Morningstar and/or its content providers;(2) may not be copied or distributed; and(3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Stocks are represented by the S&P 500 Index, an unmanaged, commonly used measure of common-stock total return performance. Corporate bonds are represented by the Ibbotson U.S. Long-Term Corporate Bond Index. Long-term government bonds are represented by the Ibbotson U.S. Long-Term Government Bond Index. Inflation measured by the Consumer Price Index published by the U.S. Bureau of Labor Statistics. Only government securities are guaranteed astothetimelypaymentofinterestandprincipal.pastperformanceisnoguaranteeoffutureresults.itisnotpossibletoinvestdirectlyinanindex. This data is not intended to represent the performance of any John Hancock mutual fund portfolio. 13 The besttime to invest is when the market is open Warren Buffet 14 Investment considerations Your objectives Time frame Risk/reward potential Tax implications Stocks Bonds Mutual funds Proven Strategies 5
6 What is a stock? A stockrepresents a share of ownership in a corporation, also referred to as equity Your ownership in a pizza company 16 Why invest in stocks? Balance your portfolio Exposure to different types of stocks Benefit of long-term growth potential 17 What is a bond? Lenders/ Bond Buyers Company Bond 6% Interest 30 Years Borrower/ Bond/Issuer Amount of Loan/Bond Electronics Company Proven Strategies 6
7 Why invest in bonds? Income Balance your portfolio Moderate growth potential 19 What is a mutual fund? A mutual fund is a collectionof stock, bond or money market securities. It is owned by many investors who share commonfinancial goals, and is managed by a professional investment company. 20 How a mutual fund works An investor in a mutual fund buys sharesof the fund, and as such, each share represents ownership in all the fund s underlying securities. Fund Holdings Your ownership in a pizza company an electronics company a pharmaceutical company Proven Strategies 7
8 Why invest in mutual funds? Benefits of stocks and bonds plus Professional money management Pooling your money Diversification* Low minimum investment Access to your money *Diversification does not guarantee investment returns and does not eliminate risk of loss. 22 Understanding risk Financial or company risk Market risk Economic risk Inflation risk Interest rate risk Credit risk Currency risk 23 Strategies to reduce risk Diversify your portfolio Dollar-cost average Don t try to time the market Stay disciplined Work with a financial professional Proven Strategies 8
9 STRATEGY #7 Asset allocate Asset allocation is the process of dividing assets among different types of investments such as stocks, bonds, or cash. Time horizon and risk tolerance are key to asset allocation. Source: Brinson, Singer and Breebower, Determinants of Portfolio Performance II, Financial Analyst Journal, May/June STRATEGY #7 Asset allocate Source: Calculated by John Hancock Funds, LL C using information and data presented in ENCORR Software, 2012 Morningstar, Inc. All rights reserved. Used with permission. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and(3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or lossesarisingfromanyuseofthisinformation.thes&p500indexisanunmanagedindexandcannotbeinvestedindirectly.pastperformanceisnota guaranteeof future results. This data is not intended to representthe performanceof any John Hancockmutual fund. 26 STRATEGY #7 Asset allocate The importance of rebalancing By maintaining target allocations, you add discipline to the process Asset allocation and rebalancing add discipline to the investment process, something most investors need. Before establishing an asset allocation or rebalancing program, make sure you understand all the implications. An expert opinion from a source that isn t emotionally involved in the decision, like a financial professional, can be a great help Proven Strategies 9
10 STRATEGY #8 Dollar-cost average Investing at regular intervals helps reduce risks Spreading purchases over high and low price periods helps you accumulate more shares at a lower cost Investment Nav Price Shares Purchased $100 $10 10 $100 $20 5 $100 $25 4 $100 $25 4 $400 $80 23 Average share cost: ($400 23) = $17.39 Average share price: ($80 4) = $20.00 Adds discipline to the process These examples are for illustrative purposes only. Most investments generally fluctuate according to market conditions. Past performance is not a guarantee of future results. Dollar cost averaging is the simple investment strategy of investing a consistent amount on a regular basis, usually monthly. By practicing dollar cost averaging, you ensurethatyou rebuyingfewershares atahighpriceandmoreshares ata lowerprice,whichis a goalamongmany investors.thismaylowertheaveragepriceyoupayforaninvestment,whileloweringtheriskofbuyingatthewrongtime. Beawarethatdollarcostaveragingdoesnotassureaprofitorprotectagainstlossinadecliningmarket.Such a plan involves continuous investment in securities regardless of fluctuating price levels. An investor should consider his/her financialability to continuepurchases throughperiods of low price levels. These examples are hypothetical and are not intended to imply the performance of any specific John Hancock Mutual fund. 28 STRATEGY #9 Contribute maximum to retirement plans Saving for retirement is more important than ever! Americans are living longer We retire younger Traditional pensions are fading Social Security won t be enough 29 STRATEGY #9 Contribute maximum to retirement plans Contribute to retirement plans Pay yourself first Pre-tax contributions Matching contributions Painless savings Tax deferral Proven Strategies 10
11 STRATEGY #9 Contribute maximum to retirement plans Power of tax deferral $800K $700K $600K $500K $400K Tax-deferred 20% Tax rate 40% Tax rate $745,180 $542,461 $401,074 $300K $200K $100K 0 10 Years 20 Years 30 Years This example is hypothetical and does not represent any particular investment. Chart assumes $500 invested monthly at 8% for 30 years tax-deferred, with 20% tax rate and 40% tax rate. 31 STRATEGY #9 Contribute maximum to retirement plans Note: Catch-up provisions are available only to people 50 years or older. The IRS imposes a 10% penalty for early withdrawal if you are under age 59½, in addition to regular income taxes. SOURCE: IRS, STRATEGY #10 Seek expert advice Give your financial prosperity the financial attention it deserves Financial consultants or planners Accountants or CPAs Insurance planners Attorneys You might use several of these experts, or all of them, in the course of your lifetime Proven Strategies 11
12 STRATEGY #10 Seek expert advice A financial professional can help you: Clarify Your Investment Goals Establish a Financial Plan Regularly Reevaluate Goals and Progress Remain Disciplined PROVEN STRATEGIES Next steps See where you are now Fill out the Know Where You Stand worksheet Protect yourself and your family Fill out the emergency checklist Review your insurance Find out howto go from where you are to where you want to be Sign up for an individual consultation 35 Questions Erdal Elmas, CFP ext. 514 eelmas@nasafcu.com Brian Waak, CFP ext. 214 bwaak@nasafcu.com Proven Strategies 12
13 A word about risk The performance data contained in this presentation represents past performance, which does not guarantee future results. Performance, especially for short time periods, should not be the sole factor in making your investment decisions. A fund s investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. Please read the prospectus carefully before investing or sending money. For prospectuses or for performance current to the most recent monthend, call your financial professional or John Hancock Investments at , or visit our website at jhinvestments.com. John Hancock Funds, LLC MEMBER FINRA SIPC 601 Congress Street, Boston, MA jhinvestments.com NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY. MF SD10PROVSEM 10/13 37 Blog URLs NASA Center Communities: Partner Companies: Proven Strategies 13
Peter Cosentino. CUSO Financial Services, L.P. NASA Federal Investment Center
Peter Cosentino CUSO Financial Services, L.P. NASA Federal Investment Center NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY. Disclaimer *Non-deposit investment
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