DON T LET ANYTHING STAND IN THE WAY
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1 Retiresmart DON T LET ANYTHING STAND IN THE WAY OF GETTING ON THE RIGHT PATH. National Wildlife Federation Tax Deferred Annuity Plan National Wildlife Action Retirement 401(k) Plan You re on your way.
2 Congratulations on starting your plan for life. Contents Four great reasons to participate. 1 You need to save and invest. 2 It s easier than you think. 3 Your plan comes with benefits. 4
3 Four great reasons to participate. 1. It s simple and convenient. You decide how much to invest, and your contributions are deducted from your paycheck automatically. 2. It s flexible. You choose from a diverse lineup of investment options. You can also change how much you contribute, change your investment options, or stop contributing at any time. 3. You may save on taxes. Because your contributions may be made before your salary is subject to federal income tax, you may save on federal taxes now. And, depending on your tax bracket when you retire, you may save again later. 4. It goes where you go. If you leave your job, you can take your balance with you. The contributions you make are always yours. 1
4 You need to save and invest. A large part of retirement for many people is the flexibility to do what they want, when they want. But if you don t plan for life in retirement, you may not have that flexibility. Over 70,000 Americans turned 100 in By the year 2030, that number will climb to more than 200,000 and that may include you We are living longer than ever these days. Thanks to a combination of medical advances, better nutrition, and healthier lifestyles, we are enjoying longer life expectancies. While you may not consider a long life to be a retirement issue, you may have many more years to plan for than you realize. Inflation matters. Retirement is expensive enough. With inflation, the costs can be stunning. Just food and groceries in retirement can cost two people over $200,000 $5 a meal, 3 meals a day, over 20 years. By preparing today, you may have more choices for your life tomorrow. Adding a modest 3% annual inflation rate, the cost swells to nearly $300,000. $5 meal x 2 people x 3 meals a day x 365 days a year x 20 years $219, % inflation = $294,000 2
5 It s easier than you think. It s automatic. Saving and investing through your workplace retirement plan means you never have to worry about writing a check, remembering to make a deposit, or spending money you intended to save. Smart savings starts early. You may think you have plenty of time to plan for retirement, but the sooner you start, the more time your money has to work for you. the benefits of starting early $300,000 $250,000 $250,198 $200,000 Pat begins inves ng $150,000 $126,084 $100,000 Miguel begins inves ng $50,000 AGE Pat s investment Miguel s investment Example: Pat and Miguel both saved about $29 a week until they retired at age 65. But Pat started when he was 25 and Miguel waited until he was 35. Pat s money had longer to grow. Those 10 years of waiting cost Miguel $124,114. Assumptions: Hypothetical weekly contributions of about $29 with a 6% annual rate of return compounded weekly. Rates of return will vary over time, particularly for long-term investments. There is no guarantee that the selected rate of return can be achieved. Taxes are due upon withdrawal. Hypothetical results are for illustrative purposes only and are not intended to predict the future performance of any investment option. The principal value and return of an investment will fluctuate with changes in market conditions. Your account may be worth more or less than your original investment. 3
6 Your plan comes with benefits. You may save on taxes immediately. The contributions you authorize for investment in your plan may be deducted from your gross pay before current federal (and, in most cases, before state) income taxes are withheld. This is known as before-tax savings. Because this reduces your current taxable income, you ll probably take home more of your pay than if you were investing on an after-tax basis (as shown in table). 1 You may also benefit from tax-deferred growth. In addition to your contributions, any potential earnings in your account are tax-deferred and not taxed until they are withdrawn. Over time, tax-deferred savings may dramatically increase the value of your account. This chart shows the growth of a hypothetical $1,500 yearly investment over 30 years in both a taxable savings account and a tax-deferred account. Of course, with before-tax contributions, you will have to pay taxes when you withdraw your money from the tax-deferred account. But if you decide to stop working and take all of your money out at age 65, you may still end up with more than in a taxable account. saving on a before-tax compared to an after-tax basis This example assumes a 25% tax bracket. Hypothetical growth of a taxable savings account vs. a tax-deferred account After-tax savings Before-tax savings $19,574 $20, years Saving in a plan before-tax 2 $52,163 $58,012 Saving elsewhere after-tax Gross annual income $25,000 $25,000 Savings contribution $1,500 $1,500 Taxable income $23,500 3 $25,000 Federal tax withheld $5,875 $6,250 Spendable income $17,625 $17,250 Savings advantage 3 $375 $106,419 $126, years 30 years 1 Many tax planning strategies emphasize the deferral of current income taxes on the basis that your federal income tax rate may be lower at retirement. Please keep in mind that federal income tax rates are unpredictable and may be higher when you take a distribution than at the time of deferral. Other factors, including state tax rates and your income, may also affect your overall tax rate upon distribution. Please consult with your tax advisor for individual tax planning strategy and advice. MassMutual does not predict or in any way guarantee favorable tax results. 2 Hypothetical example for the before-tax savings is based on a before-tax contribution of $1,500 per year compounded weekly at hypothetical 6% return, tax-deferred. The example shown for the regular savings is based on $1,500 after-tax annual contribution, compounded weekly at a hypothetical 6% return. 3 Taxes on before-tax contributions and earnings on those contributions are assessed when you withdraw the money from the plan. 4 Get started on your plan for life. Enroll today.
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8 Login in at: or call: The information contained in this brochure is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any federal tax penalties. Neither MassMutual nor any of its employees or representatives are authorized to give legal or tax advice. You must rely on the advice of your own independent tax counsel Massachusetts Mutual Life Insurance Company, Springfield, MA All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives. RS1705NWF 513 NWF-RSEd-Bro M C::RS
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