Talking Points * “Constant asset class exposure”: index funds are designed to remain fully invested in the benchmark indexes they track. Investors should expect the return and risk provided by the benchmark minus mutual fund fees. Actively managed funds select securities based on their fund’s objective and strategy and attempt to beat their benchmark.“ * Index funds generally have lower expenses than actively managed funds that invest in comparable securities.
Retirement Health Savings Plan: A Retirement Benefit Date March 15, 16 & 17th Presented by Steve Klosterman & Meredith Beckman 0110-3672 Madison Firefighters Local 311
Please consult the current Vantagepoint Funds prospectus carefully for a complete summary of all fees, expenses, charges, financial highlights, investment objectives, risks and performance information.
Investors should consider the Fund's investment objectives, risks, charges and expenses before investing or sending money.
The prospectus contains this and other information about the investment company. Please read the prospectus carefully before investing.
Vantagepoint Funds are distributed by ICMA-RC Services LLC, a wholly owned broker-dealer subsidiary of ICMA-RC and member FINRA/SIPC.
For a current prospectus, contact ICMA-RC Services, LLC by calling 1-800-669-7400 or by writing to 777 North Capitol Street, NE, Washington, DC 20002-4240, or by visiting www.icmarc.org.
A medical expense reimbursement program designed by your employer and ICMA-RC to benefit you
A program that allows you to
Accumulate assets to pay for medical expenses in retirement on a tax-free basis 1
Enjoy tax savings on both contributions and payments
Invest contributions for your circumstances in the Vantagepoint Mutual Funds
A Solution to Post Employment Health Care Cost Problem 1 Non-discrimination provisions may result in the taxation of non-insurance premium reimbursements to highly compensated individuals (top 25% of salaries).
Investments Actively Managed Vantagepoint Funds International 3 - See Disclosures at the beginning of the presentation on slide 3 Aggressive Opportunities 2 Risk Return Low Duration Bond 1 Equity Income Asset Allocation Inflation Protected Securities 1 Growth & Income Growth
Designed exclusively for our participants
Family of funds covering the complete risk/reward spectrum
Age-based funds with “target dates” (range from 2010 - 2045)
Diversification among asset classes within a single fund
Designed for investors who expect to begin withdrawals near fund’s target date
Each fund’s risk level gradually declines over time until reaching steady level 10 years after target date
Vantagepoint Milestone Funds 1 1 “Fund of fund" arrangement; additional underlying fees may apply. Consult the prospectus for details. 2 Share values are not guaranteed at any time, including at or after each Milestone Fund’s target date, which is the date when investors are expected to begin gradually making withdrawals, typically at or after retirement. Asset allocations change over time, as described in The Vantagepoint Funds prospectus. 3 Actual allocations may vary; each fund is rebalanced regularly in an attempt to match glide path target percentages. The Aging Path 2,3