Saving a small amount now can make a big difference later.
One Day Is Today® — Retirement 101
Products issued and underwritten by American United Life Insurance Company® (AUL), a OneAmerica company. Administrative and recordkeeping services provided by McCready and Keene, Inc. or OneAmerica Retirement Services LLC, companies of OneAmerica which are not broker/dealers or investment advisors. • Variable annuity contracts are issued by American United Life Insurance Company® (AUL), One American Square, Indianapolis, IN 46206-0368, 1-800-249-6269. Registered group variable annuity contracts are distributed by OneAmerica Securities, Inc. (OAS), Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204, 1-877-285-3863. Qualified retirement plans from AUL are funded by an AUL group variable annuity contract. While a participant in an annuity contract may benefit from additional investment and annuity related benefits under the annuity contract, any tax deferral is provided by the plan and not the annuity contract. • © 2014 Wealth Management Systems Inc. All rights reserved. Reproduction in whole or in part is prohibited without the express permission of Wealth Management Systems Inc. • All individuals are fictitious and all numeric examples are hypothetical and were used for explanatory purposes only. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. Past performance is not a guarantee of future results. • Funds that invest in high-yield bonds are subject to greater credit risk and price fluctuations than funds that invest in investment grade bonds. • Please note that 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. • The S&P 500 Index is a widely recognized unmanaged index of equity prices and are representative of a broader market and range of securities. The Index return assumes reinvestment of all distributions and does not reflect the deduction of taxes and fees. Individuals cannot invest directly in the S&P 500 Index, however, an individual can invest in exchange traded funds or other investment vehicles that attempt to track the performance of the S&P 500. • Neither AUL, McCready and Keene, OneAmerica Retirement Services, OAS nor their representatives provide tax or legal advice. For answers to your specific questions please consult a qualified attorney or tax advisor. • Wealth Management Systems, Experian, Trans Union and Equifax are not affiliates of AUL, OAS, McCready and Keene, and OneAmerica Retirement Services and are not a OneAmerica companies. • www.annualcreditreport.com is not an affiliate of OneAmerica and is not a OneAmerica company website. • The information is provided for educational purposes only and is not intended as financial or legal advice. • 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. • Investing involves risk which includes potential loss of principal. • 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 433 N. Capitol Ave., Indianapolis, IN 46204, 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.
Small Changes, Big Savings
Calculate Your Retirement Goals
The demand for your retirement income affects the amount of income you need.
Avoid Retirement Mistakes
Making mistakes while preparing for retirement could put you behind in reaching your goals.
Getting a Late Start?
It's never too late to get started on preparing for retirement.