All mutual funds discussed in this presentation are offered through MetLife Securities, Inc. (member NASD/SIPC), 200 Park Ave., New York, NY 10166. The MetLife Guaranteed Asset Account, fixed, deferred annuity is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166.
Funding Choices Morningstar Associates, LLC believes that the list shows the approximate risk relationships among the asset classes for the funding options from the most conservative to the most aggressive. Within each asset class funding options are listed in alphabetical order. The ranking of asset classes is based on an analysis by Morningstar Associates, LLC. In determining the ranking, Morningstar Associates, LLC utilized certain quantitative risk measures in conjunction with its fundamental investing experience and portfolio construction philosophy. Other methodologies for ranking asset classes may produce different results. Since past performance of investments is no guarantee of future performance, no assurance can be given, each funding option incurs its own risks, which will be dependent upon the investment decisions made by the respective portfolio manager. This list is intended to be only a guide to investment risk. Please consult the appropriate prospectus for more complete information, including costs, expenses and risks for each investment choice.
ProManage PROgram ™ Professional Asset Management*
No Withdrawal Charges from the MetLife Guaranteed Asset Account
Unlimited Transfers Among Investment Options ( Restrictions may apply. Please see prospectuses for details.)
Payout Options ( Lump sum, periodic payments or a rollover. If rolled over to the Concordia Retirement Plan, favorable annuitization rates are available.)
Additional Services and Features *ProManage LLC is an independent investment advisor and not affiliated with MetLife.
Automated Investment Strategies Dollar Cost Averaging 2 Rebalancing 1 1 While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. 2 A dollar cost averaging strategy involves continuous investment in securities regardless of fluctuating price levels. Participants should consider whether they wish to continue purchases through periods of fluctuating prices. Dollar cost averaging does not ensure a profit nor does it protect against a loss in declining markets.
Creates customized asset allocation model based on your age, account balances and present value of anticipated Social Security*
Recalculates and rebalances annually*
Fee deducted quarterly from account balance**
*MetLife is not responsible for the asset allocation and rebalancing services offered by ProManage, LLC. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. ProManage does not take into account other retirement income sources such as your spouse’s assets or you assets held outside of the plan. ** A separate fee applies to participate and is paid directly to ProManage Investing the Effortless, Automatic Way
Complete your enrollment online before January 1, 2006 at www.mlr.metlife.com for the first payroll in January *
Complete a Salary Reduction Agreement form
First payroll deduction
First paycheck in January 2006 (or after you complete a Salary Reduction Form)*
* If you enroll after January 1, 2006, your deduction will occur
as soon as possible after you turn in your Salary Deferral form
All mutual funds discussed in this presentation are offered through MetLife Securities, Inc. (member NASD/SIPC), 200 Park Ave., New York, NY 10166. The MetLife Guaranteed Asset Account fixed, deferred annuity is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166. Mutual funds are offered by prospectus only. If you have not received a prospectus for the mutual funds you are being offered, you can obtain them from your investment professional. Please obtain and read carefully the investment objectives, risks, charges and expenses before investing. Investment return and principal will fluctuate with changes in market conditions, such that shares may be worth more or less than their original cost when redeemed. Diversification cannot eliminate the risk of investment loss. MetLife ®