Not on my nickel for retirement investors1.6

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IRA Investors and employees in poorly performing 401(k)'s -time to take charge. There are three rules for a large and lasting retirement nest egg;

(1) Do not pay any one except the portfolio manager directly to manage your retirement assets.
(2) Have a core portfolio before and after retirement, a balanced fund, managed by a portfolio manager you know and trust.
(3) Only invest in mutual funds or any securities that are registered at the SEC, who have audited performance standards and quarterly reports.

Remember, the only one with experience in managing portfolios are portfolio managers

There are just a few top active and passive portfolio managers that have proven the test of time. Do you know who they are? Do you know how to compare your current performance to that of the top portfolio managers?

Your financial planner/financial advisor/CFP is not trained in allocating and selecting investments for retirement accounts. They are trained in sales and how to increase income for their firm. The performance of your retirement fund is secondary to your Advisor.

There exist a few excellent mutual fund managers, active and passive, that have withstood the test of time and have solid performance records, low fees and top ratings from Morningstar and Lipper. It is time to take charge and go with the best.

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Not on my nickel for retirement investors1.6

  1. 1. 1 ©2013 Not On My Nickel
  2. 2. 2 ©2013 Not On My Nickel
  3. 3. 3 ©2013 Not On My Nickel ? Do I know what my true portfolio returns are?
  4. 4. 3 ©2013 Not On My Nickel ? Do I know what my true portfolio returns are? Do I know about the hidden fees in my employer’s 401(k) plan or my IRA?
  5. 5. 3 ©2013 Not On My Nickel ? Do I know what my true portfolio returns are? Do I know about the hidden fees in my employer’s 401(k) plan or my IRA? Do I know that most financial advisors act in their best interest, not mine?
  6. 6. 3 ©2013 Not On My Nickel ? Do I know what my true portfolio returns are? Do I know about the hidden fees in my employer’s 401(k) plan or my IRA? Do I know that most financial advisors act in their best interest, not mine? Do I know my 401(k) or IRA could be costing me close to 1/3 of everything I save?
  7. 7. 3 ©2013 Not On My Nickel ? Do I know what my true portfolio returns are? Do I know about the hidden fees in my employer’s 401(k) plan or my IRA? Do I know that most financial advisors act in their best interest, not mine? Do I know my 401(k) or IRA could be costing me close to 1/3 of everything I save? Do I know that Social Security will provide about $15,000 annually when I retire?
  8. 8. 4 Understand how to read your statement to see your true performance? ©2013 Not On My Nickel ?
  9. 9. 4 Understand how to read your statement to see your true performance? Learn how to start saving money now, without fees, so you will have more for retirement? ©2013 Not On My Nickel ?
  10. 10. 4 Understand how to read your statement to see your true performance? Learn how to start saving money now, without fees, so you will have more for retirement? Learn how much you need to invest today to do the things you want to in retirement? ©2013 Not On My Nickel ?
  11. 11. 4 Understand how to read your statement to see your true performance? Learn how to start saving money now, without fees, so you will have more for retirement? Learn how much you need to invest today to do the things you want to in retirement? Understand why Target Date Funds are a poor investing option that limits how much money you will have in retirement? ©2013 Not On My Nickel ?
  12. 12. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY!
  13. 13. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
  14. 14. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards Investments are based on an increasingly controversial computer model
  15. 15. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards Investments are based on an increasingly controversial computer model Adds an unnecessary layer of cost that significantly reduces your returns
  16. 16. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards Investments are based on an increasingly controversial computer model Adds an unnecessary layer of cost that significantly reduces your returns Financial literacy efforts have failed due to lack of engagement and dependency on financial advisors
  17. 17. 5 ©2013 Not On My Nickel MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards Investments are based on an increasingly controversial computer model Adds an unnecessary layer of cost that significantly reduces your returns Financial literacy efforts have failed due to lack of engagement and dependency on financial advisors Financial industry advertising & marketing create demand for advice services, not engaging investors
  18. 18. FACT LOOK 30.3% Average retirement savings lost to fees over an individual’s investing lifetime $154,794! The Retirement Savings Drain, Robert Hiltonsmith, Demos.org 6 ©2013 Not On My Nickel America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
  19. 19. FACT LOOK Recent studies show many 401(k) plans hold poorly performing options BrightScope 6 ©2013 Not On My Nickel America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
  20. 20. FACT LOOK Advice to retirement savers in 401(k) plans is conflicted and fees are hidden from investors (advice fees should NEVER be embedded in 401(k) plans!) Third-parties agree 6 ©2013 Not On My Nickel America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
  21. 21. FACT LOOK Retirement savers are taught through media, advertising and FINRA education to rely on an “expert” advisor. Because of this reliance they never learn how to invest directly, which prevents them from becoming engaged. 2012 NFCS Report 6 ©2013 Not On My Nickel America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
  22. 22. FACT LOOK Recent academic studies show Modern Portfolio Theory may be harming returns due to unnecessary portfolio rebalancing, which drives up trading costs – which drives up hidden fees! The Retirement Savings Drain, Robert Hiltonsmith, Demos.org 6 ©2013 Not On My Nickel America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
  23. 23. 7 ©2013 Not On My Nickel DO YOU KNOW... ?
  24. 24. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in?
  25. 25. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money?
  26. 26. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages?
  27. 27. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages? The experience, credentials and past performance of your ERISA or other financial advisor?
  28. 28. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages? The experience, credentials and past performance of your ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance?
  29. 29. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages? The experience, credentials and past performance of your ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare your current portfolio performance to an option that can save you $100,000s over your investing lifetime?
  30. 30. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages? The experience, credentials and past performance of your ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare your current portfolio performance to an option that can save you $100,000s over your investing lifetime? You are ultimately responsible for your individual retirement savings?
  31. 31. 7 ©2013 Not On My Nickel DO YOU KNOW... ? Which mutual funds you are invested in? Which investment company manages your money? The true fees you are paying for management in dollars, not percentages? The experience, credentials and past performance of your ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare your current portfolio performance to an option that can save you $100,000s over your investing lifetime? You are ultimately responsible for your individual retirement savings? Here’s how you can learn to say yes to these questions
  32. 32. 8 ©2013 Not On My Nickel People are demanding transparency about the fees they pay. IN OUT
  33. 33. 8 ©2013 Not On My Nickel People are demanding transparency about the fees they pay. IN OUT Active management Passive management (Index funds) by financial advisors based on Modern Portfolio Theory
  34. 34. 8 ©2013 Not On My Nickel People are demanding transparency about the fees they pay. IN OUT DIY direct investing Conflicts of interests with middlemen advisors
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  37. 37. 8 ©2013 Not On My Nickel People are demanding transparency about the fees they pay. IN OUT Proven balanced funds Controversial Target Date Funds
  38. 38. 8 ©2013 Not On My Nickel People are demanding transparency about the fees they pay. IN OUT Keeping $100,000s in your retirement savings Putting money in financial advisors’ pockets!
  39. 39. 9 ©2013 Not On My Nickel New online investing services are no better than traditional advisors to deliver what investors need today Low Fees Proven performance Experienced active PMs/ fiduciaries Conflict-free research & education designed to engage employees Passive/ Index investing Uses Computer model, Modern Portfolio Theory, Target Date Funds Charges advice fee Not On My Nickel X X X X Wealthfront.com X X X Betterment.com X X X Financialengines.com X X X Guidedchoice.com X X X Traditional Advisor X X
  40. 40. 9 ©2013 Not On My Nickel New online investing services are no better than traditional advisors to deliver what investors need today Low Fees Proven performance Experienced active PMs/ fiduciaries Conflict-free research & education designed to engage employees Passive/ Index investing Uses Computer model, Modern Portfolio Theory, Target Date Funds Charges advice fee Not On My Nickel X X X X Wealthfront.com X X X Betterment.com X X X Financialengines.com X X X Guidedchoice.com X X X Traditional Advisor X X Are you aware of a new choice for retirement investing available today?
  41. 41. 10 ©2013 Not On My Nickel
  42. 42. 10 ©2013 Not On My Nickel Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years
  43. 43. 10 ©2013 Not On My Nickel Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years Prudent alternatives to Target Date Funds
  44. 44. 10 ©2013 Not On My Nickel Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years Prudent alternatives to Target Date Funds Ongoing research, education and engagement through interactive tools
  45. 45. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide:
  46. 46. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide: Transparency to immediately eliminate unnecessary fees
  47. 47. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide: Transparency to immediately eliminate unnecessary fees Interactive education to make confident investing choices
  48. 48. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide: Transparency to immediately eliminate unnecessary fees Interactive education to make confident investing choices Access to a short list of the best 401(k)/IRA options
  49. 49. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide: Transparency to immediately eliminate unnecessary fees Interactive education to make confident investing choices Access to a short list of the best 401(k)/IRA options Education to keep you engaged to monitor your investing choices
  50. 50. 11 ©2013 Not On My Nickel Not On My Nickel is the first and only independent research and education service designed to engage investors. We simplify retirement investing and actively engage investors to take control of their future with tools that provide: Transparency to immediately eliminate unnecessary fees Interactive education to make confident investing choices Access to a short list of the best 401(k)/IRA options Education to keep you engaged to monitor your investing choices HERE’S HOW IT WORKS...
  51. 51. 12 ©2013 Not On My Nickel Eliminate the middleman from your retirement investing equation
  52. 52. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
  53. 53. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  54. 54. Superior, long-term results Managers with 10- and 20-year track records of outperforming the benchmark, by at least 2% after fees, when feasible. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  55. 55. Low management fees Total expense ratio is less than 0.75%. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  56. 56. Sustainable economic value Mutual funds who contribute to the improvement of the U.S. economy. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  57. 57. Low portfolio turnover Mutual funds with 15% or less portfolio turnover, when feasible. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  58. 58. Number of other funds managed by the company Companies that oversee one or two funds. Ones that do not stretch their resources by overseeing too many funds. 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  59. 59. An operating philosophy that proves clients come first We ask: What is their history of ethics? Is the fund manager consistent in their strategy over time? Are fees excessive and the primary driver of their business? Is the manger pay excessive? Do they have past regulatory concerns or fines? 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  60. 60. Fact check the short list of portfolio managers against third-party rating services 2 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1
  61. 61. Fact check the short list of portfolio managers against third-party rating services 2 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1 Fact check the short list against their SEC filings3
  62. 62. Fact check the short list of portfolio managers against third-party rating services 2 13 ©2013 Not On My Nickel Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach Research all mutual funds against our six criteria1 Fact check the short list against their SEC filings3 The result is a handful of proven, active portfolio managers for employees to choose from
  63. 63. 14 ©2013 Not On My Nickel Choose from conflict-free, independent research resulting in only the best- performing mutual funds at the lowest fees
  64. 64. 14 ©2013 Not On My Nickel All top investment options are: Choose from conflict-free, independent research resulting in only the best- performing mutual funds at the lowest fees
  65. 65. 14 ©2013 Not On My Nickel All top investment options are: Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor) Choose from conflict-free, independent research resulting in only the best- performing mutual funds at the lowest fees
  66. 66. 14 ©2013 Not On My Nickel All top investment options are: Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor) Qualified with decades of experience managing retirement assets that outperform their benchmark Choose from conflict-free, independent research resulting in only the best- performing mutual funds at the lowest fees
  67. 67. 14 ©2013 Not On My Nickel All top investment options are: Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor) Qualified with decades of experience managing retirement assets that outperform their benchmark Never driven by computer models or algorithms Choose from conflict-free, independent research resulting in only the best- performing mutual funds at the lowest fees
  68. 68. 14 ©2013 Not On My Nickel Select one or two core U.S. Equity or U.S. Balanced managers, typically representing 60% of yoursavings. Then, select International, Aggressive Growth, Bonds or Cash to round out 100% of your holdings
  69. 69. 15 ©2013 Not On My Nickel
  70. 70. 15 ©2013 Not On My Nickel Choose Cash investments using the online step-by-step guide
  71. 71. 15 ©2013 Not On My Nickel Directly purchase your selected funds through your employer’s brokerage window to save 0.25%–3.0% in unnecessary fees If your company does not have a brokerage window in their 401(k), one can easily be added
  72. 72. Stay connected with Not On My Nickel’s educational pieces 15 ©2013 Not On My Nickel
  73. 73. 16 ©2013 Not On My Nickel Stay connected with Not On My Nickel’s educational pieces NewsletterMonthly
  74. 74. 16 ©2013 Not On My Nickel Stay connected with Not On My Nickel’s educational pieces NewsletterMonthly Educational Blogs Weekly
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  77. 77. 18 ©2013 Not On My Nickel See for yourself how you can:
  78. 78. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being
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  80. 80. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs
  81. 81. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs Invest in proven portfolio managers/funds with lower fees
  82. 82. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs Invest in proven portfolio managers/funds with lower fees Eliminate your dependency on a financial advisor
  83. 83. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs Invest in proven portfolio managers/funds with lower fees Eliminate your dependency on a financial advisor Save time with with unbiased, researched investing options
  84. 84. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs Invest in proven portfolio managers/funds with lower fees Engage in investing through transparency and education Eliminate your dependency on a financial advisor Save time with with unbiased, researched investing options
  85. 85. 18 ©2013 Not On My Nickel See for yourself how you can: Access the safest, most conservative and cost-effective retirement savings option today as you take control of your financial well being While you: Reduce your 401(k) or IRA retirement plan costs Invest in proven portfolio managers/funds with lower fees Engage in investing through transparency and education Take control of your financial future Eliminate your dependency on a financial advisor Save time with with unbiased, researched investing options
  86. 86. 19 ©2013 Not On My Nickel Click to Subscribe Contact us with questions: Info@NotOnMyNickel.com
  87. 87. 20 ©2013 Not On My Nickel The first and only independent research and education service that teaches employees to take charge of their retirement savings i Provides immediate access to the best-performing portfolio managers at the lowest fees Offers ongoing eduction and resources Grounded in a spirit of teaching others how to take control of their financial future Visit us at www.NotOnMyNickel.com

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