The benefit of saving now is retirement on your terms. saving : investing : planning

The benefit of saving now is retirement on your terms. saving : investing : planning

A little change goes a long way Five ways to save 1. Use online bill pay with your bank Save on stamps and paper checks while keeping a closer eye on your balance. That will help avoid overdrafts. 2. Plan your meals and shop smart Always know what s for dinner and save money by planning meals around your grocery store sales flier. 3. Ditch the gym membership Save big using DVD and online streaming exercise classes while working out at home. Real strategies Let us help you build a secure retirement 4. Find a friend at work and carpool Cut your commute and auto maintenance expenses by sharing the drive and the ride. CLICK VALIC.com CALL 1-888-569-7055 5. Exchange services with friends and neighbors Here s an example: If you re a piano teacher, give lessons in exchange for mowing your yard. VISIT your VALIC financial advisor

A savings strategy begins with just a little change We can help by offering: > > Personal service at your convenience > > Comprehensive financial planning > > Financial education > > Advanced online account management > > Programs and advice geared to you More than 2 million individuals trust VALIC to help plan for a secure retirement. When you choose an industry leader* with more than 50 years of experience, you can count on: Access to outstanding investment options and tools A variety of retirement income strategies Retirement expertise available in person, online and by phone Competitive ratings from leading independent industry analysts (These ratings apply to the claims-paying ability of The Variable Annuity Life Insurance Company, not to the safety or performance of the variable options.) *Source: LIMRA SRI Not-for-Profit Retirement Market Survey 12/31/2014.

Start small and see how the results add up Saving doesn t have to be a complicated math formula because a little change goes a long way to summing and saving. Start small. Someone with a gross annual income of $50,000 could potentially sock away just under 5% (that s approximately $100) semimonthly into a retirement savings plan. That's 24 annual contributions. The accumulation over time may look like this: 5 Years $13,268.29 15 Years $49,051.52 25 Years $102,019.43 0 20,000 40,000 60,000 80,000 100,000 120,000 Of course, this example is just an illustration. It does not reflect a specific investment and is not a guarantee of future income. These calculations assume semimonthly contributions of $100 before taxes and an annual rate of return of 4%. Fees and charges, if applicable, are not reflected in this example and would reduce the amount shown. Remember investing involves risk, including possible loss of principal. You can increase or decrease the contribution amount, or stop contributing and restart again, at any time! Get started today! The sooner you start, the more time there is to build toward the financial future you want. So make the decision to start saving today. You can tweak it next month or whenever it s convenient. The important thing is to get started.

+ Choosing the right investment options is a plus One key to a successful retirement plan is getting elements to balance by adding the right investment options to the equation. It's easy to feel confused by multiple, and sometimes very different, choices. But don't let that overwhelm you into inaction. Remember the important thing is to get started. If you don t feel comfortable choosing between stock funds, bond funds, large caps, small caps, and so on, you can start by choosing a Lifestyle Fund which matches your investment mix with your tolerance for risk, or a Target Maturity Fund* which matches your investment mix with your age, or a Fixed Option which is a fixed annuity that contractually guarantees a fixed rate of return. All guarantees are backed by the claims-paying ability of The Variable Annuity Life Insurance Company. * The principal value of a target date investment is not guaranteed at any time including at or after the target maturity date. The target date is the approximate date when investors plan to start withdrawing their money. Flexible and easy to control. Once you've started, you can change your investment selection(s) next month or whenever it s convenient for you. The important thing is that you have taken the first step toward a secure retirement. When it comes to your financial future, more is better!

You can do this. It s easy to talk yourself out of saving but there are just as many solutions to help you save for retirement. Obstacles Solutions I'm too young to start saving for retirement... I can t afford it... Too many unexpected expenses... I m too busy to deal with this... I don t know how much I ll need to retire... Stuff like this makes my head spin... I can increase, decrease, stop contributing or start again at any time. Generally, I can start with just 1% of my paycheck and increase it later. I can brown bag my lunch sometimes and skip the latte. I can set this up today, and then saving is automatic. I can talk with a financial advisor or use the online calculator. I have the tools. My financial advisor can help me. I can do this! Get even more help! Visit VALIC.com to see more about saving for a stable future. VALIC has more than half a century of experience helping Americans plan for and enjoy a secure retirement. We provide real solutions for real lives by consistently offering products and services that are innovative, simple to understand and easy to use. We take a personal approach to retirement plans and programs, offering customized solutions for individual needs. We are committed to the same unchanging standard of one-on-one service we have delivered since our founding. Our goal is to help you live retirement on your terms. Securities and investment advisory services offered through VALIC Financial Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor. Annuities issued by The Variable Annuity Life Insurance Company. Variable annuities distributed by its affiliate, AIG Capital Services, Inc., member FINRA. VALIC.com Copyright The Variable Annuity Life Insurance Company. All rights reserved. VC 24136 (05/2015) J95740 EE