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Retirement Planning
For young people with budding careers and thriving businesses, retirement is a remote dream. Retirement seems the concern of another generation.
You may be too busy to think about tomorrow, but it will arrive in any case, regardless of how prepared you are. Right now you are sowing the seeds for your retirement. Everyone should have a retirement plan that provides for today's expenses and still recognizes that tomorrow will arrive.
All of us who think long-term are aware of the risks to money that is set aside for investment. Not all investments are appropriate for all people, especially from the perspective of risk. Be honest with yourself and find out: what kind of investor are you?
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Investor Type |
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Characteristics |
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Conservative |
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Preserves capital, wants predictable returns |
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Moderate |
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Wants long-term steady growth with income potential |
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Balanced |
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Balances between risk and return, accepts moderate market swings |
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Growth |
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Does not require immediate income, accepts potential of wider market swings as part of long-term growth |
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Aggressive |
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Accepts wide market swings in pursuit of long-term capital appreciation |
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To more accurately determine your risk tolerance, talk with a Foresters
representative. On the basis of this assessment, you can start thinking about your retirement plan. Your plan needs to factor in your goals, investment timeframe and what you can afford together with your tolerance for risk.
Your plan could include Individual Retirement Account (IRA) savings plans or investments outside your IRA. Your plan could include mutual funds or deferred annuities.
At retirement, you need to change your thinking and your activity. You have built your retirement nest egg and now you will begin to draw on it for your income. To help you in this transition, Foresters offers immediate annuities. Speak to your
Foresters representative about which products are right for you.
Foresters representatives listen to your retirement dreams and suggest ways to help you make them reality. Starting with sound retirement planning. And an honest evaluation of your attitude toward risk.
Start Thinking About Your Retirement »
IRAs »
Mutual Funds »
Deferred & Immediate Annuities »
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