Ira Investor Insight 230593

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Ira Investor Insight 230593

  1. 1. InvestorInsight New opportunities, new adventures. Your investment strategy should be up for the journey. Keep your retirement savings on track When you change jobs or retire, one of the most important decisions is where to invest the assets you accumulated in your company-sponsored retirement plan. Protecting those assets is vital to your future financial security. Here are steps you can take to maximize the potential of your savings: Step 1 Keep your retirement assets tax-deferred and avoid paying current taxes and penalties by arranging a direct rollover to an Individual Retirement Account (IRA). Step 2 Choose investments that suit your risk tolerance and your desired return potential. AXP® Portfolio Builder Series: a sensible destination for your IRA Rollover For some, choosing investments for their retirement savings can be an AXP® Portfolio Builder Series offers a full range overwhelming and intimidating process. But don’t let tough rollover of investment objectives decisions put your retirement at risk because now there’s help. and risk/reward profiles AXP Portfolio Builder Series is an investment solution that simplifies designed to meet your the investment decision process by addressing your needs with a broad investing needs for every spectrum of professionally managed portfolios. stage in life. Investing is smart. Keeping it simple is even smarter.SM ▲ Six Fund Options AXP® Portfolio Builder Higher Return Potential Total Equity Fund AXP® Portfolio Builder Aggressive Fund AXP® Portfolio Builder Moderate Aggressive Fund AXP® Portfolio Builder Moderate Fund AXP® Portfolio Builder Moderate Conservative Fund AXP® Portfolio Builder Conservative Fund Higher Risk ▲
  2. 2. InvestorInsight Retirement investing made easy AXP Portfolio Builder Series simplifies the rollover process and keeps your money working. With these six asset allocation funds, you can feel comfortable knowing your retirement assets are being professionally managed. ■ Streamlines the process of fund selection, letting you and your advisor focus on long-term goals and risk tolerance. ■ Provides instant diversification for any investment amount. ■ Puts asset allocation decisions in the hands of experienced investment professionals. ■ Allows easy exchanges to different funds within the Series as you reach your goals or your goals change. ■ Makes it easier to track investment performance. Contact your financial advisor to arrange a direct rollover of your retirement plan distribution into an IRA with AXP Portfolio Builder Series. 5% 10% 20% 35% 20% 35% 50% 100% 50% 70% 60% 65% 80% AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder AXP® Portfolio Builder Conservative Fund Moderate Moderate Fund Moderate Aggressive Fund Total Equity Fund Conservative Fund Aggressive Fund ■ Stock Funds 20% ■ Stock Funds 35% ■ Stock Funds 50% ■ Stock Funds 65% ■ Stock Funds 80% ■ Stock Funds 100% Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and Large-, mid- and small-cap small-cap small-cap small-cap small-cap small-cap Growth and value Growth and value Growth and value Growth and value Growth and value Growth and value International developed International International International International International markets Emerging markets Emerging markets Emerging markets Emerging markets Emerging markets ■ Bond Funds 70% ■ Bond Funds 60% ■ Bond Funds 50% ■ Bond Funds 35% ■ Bond Funds 20% Government Government Government Government Government Investment grade Investment grade Investment grade Investment grade Investment grade corporate corporate corporate corporate corporate Multi-sector High yield corporate High yield corporate High yield corporate High yield corporate ■ Cash 10% Global Global Global Global Multi-sector Multi-sector Multi-sector Multi-sector ■ Cash 5% Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit. AXP Portfolio Builder funds will invest in the types of stock and bond funds listed above. These stock and bond funds may invest in asset classes not specifically listed here. Pie charts represent neutral allocation for each fund. Actual asset allocation will vary over time depending on market conditions. There are special risk considerations associated with international investing related to market, currency, economic, political and other factors. Stocks of small companies generally may be subject to abrupt or erratic price movements more so than stocks of larger companies. Some of these companies also have fewer financial resources. Higher yield corporate bond prices may fluctuate more broadly than prices of higher quality bonds. Risk of principal and income is also greater than with higher quality securities. American Express Funds Products offered are not federally or FDIC-insured, are not deposits or 70100 AXP Financial Center obligations of, or guaranteed by any financial institution and involve Minneapolis, MN 55474 investment risks including possible loss of principal and fluctuation in value. americanexpress.com You should consider the investment objectives, risks, charges and expenses of each AXP Portfolio Builder fund carefully before investing. For a free copy of © 2004 American Express Financial Corporation the prospectus, which contains this and other information, call (800) 297-3863, All rights reserved. TTY: (800) 846-4852. Read the prospectus carefully before you invest. American Express Trust Company acts as a custodian for IRAs offered through American Express Financial Advisors Inc. American Express Financial Advisors Inc. Member NASD. American Express Company is separate from American Express Financial Advisors Inc. and is not a broker-dealer. 230593 A (2/04)

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