Getting Started

Resources to Help You Get Started Working Toward Your Goals

Videos

Enjoy these brief videos outlining important topics related to your retirement preparation. They are fun, educational, engaging and packed with lots of tips to assist you in taking the next steps today.

Calculating Your Retirement Goals

Pete shows how the demand for your retirement income affects the amount of income you need.

Justifying investing

Pete the Planner discusses David's concerns with how to invest in his retirement plan when he has limited financial resources.

Importance of starting early

Pete discusses why contributing to your employer-sponsored retirement plan as early as possible is important.

Reasons to enroll in your retirement plan

Pete demonstrates several reasons to participate in your employer-sponsored retirement plan.

Financial Wellness Home Getting Started Retirement 101 Investing Personal Finance Nearing Retirement

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

Calculators

These interactive calculators will help you take an active role in your learning and will assist you in developing a proactive plan to achieve your goals.

Asset Allocation Calculator

Your risk tolerance affects how you allocate your retirement assets.

Retirement Income

This calculator can be used regularly to confirm that your retirement strategy is aligned with your retirement goals.

Cost of waiting

Waiting to begin saving for retirement can have a huge impact.

Small changes, big savings

Saving a small amount now can make a big difference later.

Library

All the guides and articles here are jam-packed with ideas on the nuts and bolts of retirement planning as well as topics that are relevant to your life planning. Take the time to read these short topical articles and then take the next steps to achieve your goals.

Take Advantage of Matching Contributions to Your Retirement Account

Your employer may be able to help you work toward your retirement goals with matching contributions.

Setting Your Retirement Income Goals

Knowing your goal will help you stay on the track for retirement. Have you set your goal?

What to Expect When Your Retirement Plan Is Transitioning to a New Provider

Employers sometimes choose to move the retirement plan to a new provider. See what that means for you.

4 Things You Should Know About Designating Your Beneficiary

Designating and updating your retirement plan beneficiary information is important.

OneAmerica Financial(SM) is the marketing name for the companies of OneAmerica Financial. Products issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica company. Administrative and recordkeeping services provided by AUL or OneAmerica Retirement Services LLC, companies of OneAmerica which are not broker/dealers or investment advisors. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. All numeric examples and any individuals shown are hypothetical and were used for explanatory purposes only. Actual results may vary. Past performance is not a guarantee of future results. The use of asset allocation or diversification does not assure a profit or guarantee against a loss. • Funds investing in stocks of small, mid-sized, and emerging companies may have less liquidity than those investing in larger, established companies and may be subject to greater price volatility and risk than the overall stock market. • Investing in international markets involves risks not associated with investing solely in the U.S., such as currency fluctuation, potential political and diplomatic instability, liquidity risks, and differences in accounting, taxes, and regulations. • Funds that invest in a concentrated sector or focus on a relatively small number of securities may be subject to greater volatility than a more diversified investment. • Bond funds have the same interest rate, inflation, and credit risks that are associated with the underlying bonds owned by the fund. • Investing involves risk which includes potential loss of principal. • Money market funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency. Although they seek to preserve the value of your investment at $1.00 per share, it’s possible to lose money by investing in money market funds. • Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to One American Square, Indianapolis, IN 46282, 1-800-249-6269. Before investing, carefully consider the fund’s investment objectives, risks, charges, and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Read the prospectuses carefully before investing.

The views and opinions expressed by Peter Dunn (aka Pete the Planner) are solely his and do not necessarily reflect the views and opinions of the companies of OneAmerica. Pete the Planner's content is for overview and informational purposes only and is not intended as tax, legal, fiduciary, or investment advice. Pete the Planner is not an affiliate of any OneAmerica company.

Before investing, understand that annuities and/or retirement plan products are not insured by the FDIC, NCUA, or any other Federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the institution where offered or any of its affiliates.

Getting started