If client supplies Sponsor logo Logo to fit content proportionally and right justified within box. Sponsor logo distance between logo and line element should be 3/4 the width of the M and the logo should be the height of the M. Expand box to the left to accommodate horizontal logos. COVERS: Consumer Covers: Audience: Plan Sponsor Corporate Covers: Audience: MassMutual Home Office, Field Advisors, Producer COVER IDENTIFIER: Use of identifier lock-up is optional. If client does not specify an icon/identifier, delete the lock-up (hide layer). BLEED NOTES: Covers will print with bleed at gutter. Adjust the elements depending on which inside master you follow, extending the appropriate left or right side bleed to meet IMAGE the gutter. INTERIOR PAGE DOT PATTERN NOTES: Flip the interior dot pattern per left and right page as needed. Drag image box in to accommodate the page numbers. More notes on master pages. Dots are set to multiply at 7%. Move full bleed imagery to the back so it shows through the dots. LOGO NOTE: The upper right MassMutual logo is centered vertically to the image box. Do not shift this logo. If a MassMutual program logo is needed, import as is leaving the MassMutual logo in the same position. COPY: Cover headlines can scale up and down as needed. ICON IDENTIFIER Stock market changes and your investment strategy. There are two fundamental truths about the stock market. It goes up. It goes down.
FEELING UNCOMFORTABLE WITH THE UPS AND DOWNS OF THE STOCK MARKET? YOU RE NOT ALONE. STOCK MARKET VOLATILITY CAN UNSETTLE MANY PEOPLE, ESPECIALLY WHEN IT INVOLVES THEIR HARD EARNED MONEY. NOTES: If there is no page number needed and it s a bleed piece, extend the pattern to bleed. If it s a non-bleed piece, extend pattern but not off the page. The dot pattern at the bottom of interior spreads is set to multiply at 7%. For full page imagery, place photo behind the dot pattern. Per MassMutual Compliance, producer disclosure must be visible; change color if needed to ensure visible contrast.
What causes market volatility? While many things contribute to stock market movement good news, bad news, earnings reports, consumer sentiment, and economic changes the important thing to remember is that with the stock market, volatility is the norm. NOTES: Fluctuations in price and potential gains or losses are what the stock market is all about. History says: stay invested The chart (on the next page) demonstrates a hypothetical investment of $10,000 invested in the stock market, as measured by the S&P 500 Index, in 1980, and how the investment would have grown to $484,093 by the end of 2014. However, if you had cashed out your If there is no page number needed and it s a bleed piece, extend the pattern investment each time the stock market to bleed. If it s a non-bleed piece, extend pattern but not off the page. The market has weathered many serious dropped by 20%, and invested in 90-day T-Bills events during its history. Since 1929, there for one year before reentering the market, the The dot pattern at the bottom of interior spreads is set to multiply at 7%. have been 16 bear markets including the one hypothetical $10,000 invested would have For full page imagery, place photo behind the dot pattern. in 2008. 1 grown to only $272,904. Yet since 1969, the stock market has had a positive return in 37 out of 45 calendar years. Per MassMutual Compliance, producer 2 disclosure must be visible; change color if So while needed understanding to ensure that visible volatility contrast. in the stock market is normal, it is also important not to react, or overreact, to every headline or market swing. 1 A bear market history lesson, Gerri Willis, CNN, 10/8/08 2 Morningstar EnCorr. Stock market represented by S&P 500 R Index 1
Review your goals and risk tolerance As you review your investment objectives, ask yourself, have your goals changed? How do you feel about risk? For example, if the idea of losing some of your money in a down market keeps you up at night, you may want to reduce the amount of money you have in stocks. Be sure to consider both investment risk AND inflation risk. Inflation risk is the risk that your choice of investments won t earn enough to keep pace with inflation. If you invest solely in short-term investments (i.e. cash), you subject your account to inflation risk. Remember that even relatively low inflation can erode the value of your portfolio over time. Diversify to spread your risk Your best defense in volatile markets is diversification, which means to spread your money within a variety of investments to reduce your risk and enhance your return. Diversifying your investments is an essential part of a solid investment strategy. NOTES: Diversification does not assure a profit and does not protect against loss in a Consider lifestyle or target date investment options, if available If you don t have the time or confidence to select individual investment options to diversify your portfolio, you may want to consider a lifestyle or target date investment option, if your plan offers them. A lifestyle option tailors its investment approach to your individual tolerance for risk by offering conservative, moderate or aggressive risk styles. It is automatically diversified across investment types (stocks, bonds, and cash instruments) and different fund managers. You pick the option that most closely matches your risk profile, and professional investment managers do the rest. It s an easy-to-use, single solution investment. A target date investment option is similar to a lifestyle option, except that it links its portfolio to your expected retirement date. Its portfolio will gradually become more conservative in its mix of investments as your year of retirement approaches. Generally target retirement date (lifecycle) If there is no page number needed and it s a investment bleed piece, options extend are the designed pattern to be held to bleed. If it s a non-bleed piece, extend pattern beyond but the not presumed off the retirement page. date declining market. to offer a continuing investment option The dot pattern at the bottom of interior spreads is set to multiply at 7%. For full page imagery, place photo behind the dot pattern. Per MassMutual Compliance, producer disclosure must be visible; change color if needed to ensure visible contrast. 2
for the investor in retirement. The year in most conservative allocation in their target the investment option name refers to the date year. Investors should consider their own approximate year an investor in the option personal risk tolerance, circumstances and would plan to retire and likely would stop financial situation. These options should not be making new contributions to the investment selected solely on a single factor such as age or option. However, investors may choose a date retirement date. Please consult the prospectus other NOTES: than their presumed retirement date to (if applicable) pertaining to the options to be more If there conservative is no page or aggressive number needed depending and it s a determine bleed piece, if their extend glide the path pattern is consistent on their to bleed. own risk If tolerance. it s a non-bleed piece, extend pattern with your but long-term not off the financial page. plan. Target retirement date investment options stated Target retirement date (lifecycle) investment The dot pattern at the bottom of interior spreads asset allocation is set to multiply may be subject at 7%. to change. A options are designed for participants who For full page imagery, place photo behind the target dot retirement pattern. date investment option may plan to withdraw the value of their accounts not achieve its objective and/or you could lose gradually after retirement. Each of these Page numbers must be visible; change color money if needed on your to ensure investment visible in the contrast. fund. You options follows its own asset allocation may experience losses near, at, or after the path Per ( glide MassMutual path ) to progressively Compliance, reduce producer disclosure target date. must There be visible; no guarantee change color of the if fund s its equity needed exposure to ensure and become visible contrast. more principal value, including at the target date, or conservative over time. Options may not that the fund will provide adequate income at reach their most conservative allocation until and through your retirement. after their target date. Others may reach their 3
VALUE OF STAYING THE COURSE Staying in Stocks vs. Moving to T-bills in Bear Markets Growth of $10,000 (1980 2014) 3 $500,000 $400,000 $300,000 $200,000 $100,000 Staying in Stocks $484,093 Moving to T-bills in Bear Markets $272,904 0 1979 1984 1989 1994 1999 2004 2009 2014 1980s Reagan shot U.S. becomes debtor nation Challenger disaster Insider trading scandal S&L bailout Exxon Valdez disaster Black Monday 2000s Crash of the dot-coms Corporate accounting scandals Wars in Iraq and Afghanistan Tsunami/Hurricanes Oil prices Credit market turmoil Recession 4 1990s 2010s Gulf War Slow economic recovery NOTES: Oklahoma City bombing Rise of Isis If there is no page number needed and it s a bleed piece, extend the pattern Government shutdown Russia in Ukraine to bleed. If it s a non-bleed piece, extend pattern but not off the page. Asian economic crisis European sovereign debt woes Impeachment Trial Worldwide central bank action The dot pattern at the bottom of interior spreads is set to multiply at 7%. Russian For full bond page default imagery, place photo behind the dot pattern. Per MassMutual Compliance, producer disclosure must be visible; change color if 3 needed to ensure visible contrast. Source of chart data: Ned Davis Research, 12/31/14. The chart depicts the growth of a $10,000 hypothetical investment in the stocks in the S&P 500 Index on 1/2/80 held to 12/31/14. The chart also depicts the growth if an investor had cashed out of the market following each 20% decline in the market, invested in a 90-day Treasury Bill for one year and then re-entered the market. The S&P 500 Index is a broad-based measure of domestic stock market performance that includes the reinvestment of dividends. The index is unmanaged and cannot be purchased directly by investors. Index performance is shown for illustrative purposes only and does not predict or depict the performance of any investment. Past performance does not guarantee future results. Due to ongoing market volatility, current performance may be more or less than the results shown in this presentation. The performance information does not show the effects of income taxes on an individual s investment. Taxes may reduce your actual investment returns or any gains you may realize if you sell your investment. An investor s shares, when redeemed, may be worth more or less than the original cost.
Invest regularly and stay the course Learn more Understanding how the stock market works is a big step towards being able to When you invest regularly each pay period, as you do in your retirement plan, you take stay true to your investment course. Visit www.retiresmart.com www.massmutual.com/serve advantage of what is called dollar cost www.massmutual.com/retirementaccess to use the to use resources the NOTES: and resources averaging. You buy fewer shares when the to use planning the and resources tools planning available and tools planning to available you tools or call to you If there is no page number needed and it s a the or bleed piece, extend the pattern price to is bleed. high, and If it s more a non-bleed when the price piece, is low. available call Participant the to Participant you Information call Information the Participant Center Center at at extend pattern 1-800-743-5274. 1-800-528-9009. but not off the page. (Dollar cost averaging does not ensure a profit Information Center We at also 1-800-854-0647. suggest that you talk or protect The dot against pattern loss at in declining the bottom markets.) We also to a suggest financial that advisor you for talk assistance to a financial of interior spreads developing is set your to multiply investment at 7%. strategy. Of course, For full past page performance imagery, place may not photo be advisor for assistance developing your behind the dot pattern. indicative of future results. investment strategy. Per MassMutual Compliance, producer disclosure must be visible; change color if needed to ensure visible contrast. 5
Past performance is no guarantee of future results. The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. 2017 Massachusetts Mutual Life Insurance Company (MassMutual) Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. RS4009v 1017 C:RS-32385-03