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Retirement Plans Investor Insight 230594
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Retirement Plans Investor Insight 230594

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Retirement Plans Investor Insight 230594 Retirement Plans Investor Insight 230594 Document Transcript

  • InvestorInsight Offering a retirement plan is smart. Simplifying retirement investing is smarter. You run a business. Your expertise is managing and growing it. However, as an employer sponsoring a retirement plan, your employees may look to you for investment guidance. With so many investment choices available, some people find it difficult to make decisions about how to invest their retirement plan assets. You established a retirement plan to help you and your employees save for retirement. Yet some of them may be so intimidated by the decision process that their satisfaction in this valuable employee benefit your business provides may be reduced. AXP® Portfolio Builder Series simplifies retirement plan investing Now there’s help. AXP Portfolio Builder Series is a turnkey asset allocation solution that simplifies the investment decision process by addressing AXP® Portfolio Builder participants’ investing needs with a broad spectrum of professionally Series offers a full range of investment objectives managed portfolios. By investing in these funds, participants can feel and risk/reward profiles comfortable that their retirement assets are professionally monitored to meet the retirement and periodically reallocated. investment demands of you and your employees. 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 ▲
  • InvestorInsight Smart retirement investing made easy Your American Express financial advisor and AXP Portfolio Builder Series can help your employees make the most of their retirement plan savings, boost participants’ satisfaction in the plan and increase employee participation in their retirement savings program. Invite your advisor to introduce this smart, simple investment choice to your employees. They’ll learn that AXP Portfolio Builder Series provides: ■ Immediate and multi-layered diversification for any investment amount, an important advantage for retirement accounts that typically start small, but can accumulate quickly. ■ Asset allocation decision-making in the hands of experienced professionals. ■ Easily tracked performance. ■ Six asset allocation funds that enable employees to find a solution tailored to their investment needs. And, plan participants can easily exchange to a more conservative portfolio as their retirement draws near. Contact your advisor today to learn more. 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. 230594 A (2/04)