3. TAB LT CON TT N 15
A
TI
ftssess Your Situation
lr
Your Personal Financial Profile
How Much Will You Need At Retirement?
Your Current Investment Strategy
Current Savings Quiz
- Does Your Strategy Need Adjustment?
T)
|1.utld For Your Future
-r/Inflation... The Risk People Forget
Your KP Investment Options
-
Investment and Inflation Risk Factors
Different Types of Investments and Benchmark Fr-rnd Performance
What's Your Crade?
- An Investment Knowledge Quiz
^( reate an Investment Strategy
vRisk Tolerance Quiz
- Defining Your Comfort Level
The Power of Diversification
What Type of Investor Are You?
- Four Different Investment Strategies
Your Personal Game Plan
- Create Your Own Pie Chart
Information to Help You Make Changes
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t@trr@T-'I he artworkyou'll find on T,he ?aqe6 of Nhie workbook was crealed by children related Lo Kaieer Termanente
employeee u"rouu Nhe country,' fi"", pinf,-oize dreamers answered queoLiono LhaL we all ask ourselvee: "What
are you going to be when you grow up? What would you buy if you had a lot of money? What do you think will
be your favorite thing to do for fun when you 7row up? and What makea you happy?"
Ao you worklhrouqh the exercieee and conoider trhe anewers lo oome very ?ereonal and imVortrant, queotiono,
trhese colorful and youthful illueNrationo are deeiqned, lo brinq a emile No your face and a ekip Io your ote?.
5. 55155 yOUR StrUATtON
As individual
ffii
"What arc your dreams for
retirement?"
lf you can focus your
attention on the answer to
this question and take time
to reaiew this workbook,
you'Il add detail to your
dreams, and be light years
closer to achieaing that
chapter of your life.
as fingerprints
Your investment profile is as
individual us yo,r. fingerprint. For
your investment choices to make
sense for you and your particular
life situation, you need to assess
your current financial picture,
determine your specific goals for
retirement and learn about ways to
reach them.
The investment options offered
through the Kaiser Permanente
Retirement Savings Plans, which
include both Tax Deferral and
Supplemental Plans, provide
flexibility regardless of your income,
age or retirement timeline. To be
investment conscious today for
tomorrow's dreams, here are some
important factors you need to know:
r For a comfortable retirement,
investment planners suggest you
will need between 60% and80%
of the salary you are earning just
before you retire. If you will be
making large mortgage
payments, or if you have children
or other dependents relying on
you for financial support, you'll
probably want to aim for the
higher end of this range.
Social Security retirement benefits
will provide only a portion of the
income you'll need in your
retirement. For example, if you've
always earned the mafmum
taxable earnings (defined for 1993
as $57,600) you may receive as
little as 24% of your final pay
from Social Security at age 65.
On the other hand, if your
eamings are generally equal to
the U.S. average (defined for 1992
as $25,903), you may receive as
much as 42% of your final pay
from Social Security at age 65.
Kaiser Permanente provides
most of its employe-es with either
a company-paid pension plan or
employer contributions to a
savings plan. Our pension plans,
generally, will provide a2}-year
employee with between22o/o and
27% of final pay at retirement,
payable at age 65.
Depending on your age at
retirement, your savings may
need to last 20 or 30 years. Also,
if you retire early, your Social
Security and pension benefits
may not yet be payable or may
be significantly reduced if
collected early, and you will need
to rely on your retirement
savings to an even greater extent.
Tyler Tucker, age 5,
Los Altos, California
6. NOVEmBER 7.1994
TRepoding Weekly For Conorate Risk, Employee Benelit and Financial Ereculives / S4
otu d66cryitrlgDy
Critumr&.dnruro6.d
I l--J-r.^-
Zabit & Associates wins 2
SAUSALITO -- Creative services firm
Zabit & Associates won an EBC Award of
Excellence for an innovative and colorful
investment education workbook entitled
What's Your Yision of the Future? The
workbook, which featured illustrations by
the children ofemployees, was produced
for Oakland-based Kaiser Permanente.
Z&A also picked up Best of Show honors
in the audiovisual category for the "Money
Growth Management" 401(k) video produced
for Las Vesas client MGM Grand Hotel. Inc.
Kuis er draws
emploaee ffi,rI
WF
attention
OAKLAND, Calif.-PeoPie are
more interested in things theY are
directly involved in, the axiom
goes.
Kaiser Permanente conlirmed
that last year when it needed to
tell 9?,000 employees that it was
eliminating guaranteed invest-
ment contracts, modifYing several
other savings plan investment oP-
tions, and encouraging them to
olan for the future.
To bring the point home, the
health care giant sent out a book-
Iet illustrated with artwork bY
employees' children.
"It was a novel apProach for us
to come up with something so Per-
sonal," said Ellen Canter, a vP
with Kaiser. "We wanted to make
this something that was ours as a
whole, not something we just gave
to employees out of the blue. The
goal was to engage people."
'lt'was a.novel
approach, . .to,come
up with something so
personal,' says
Kaiserls Ellen Canter.
What engaged many workers
were the dozens of drawings, col-
lages and paintings that appear in
"What's Your Vision of the Fu-
ture," whi.ch u'as put together un-
der the guidance of Zabit & Asso-
ciates Inc. in Sausalito, Calif.
Aeard ot Ercellence
Kaiser Pemmente
Kaiser solicited the artwork in a
well-publicized contest and re-
warded the winners with savings
bonds.
"The concept of the booklet and
the whole project is that You're
never too young to begin Planning
for retirement," said JoYce We-
solowski, a princiPal atZabtt.
The booklet, which won an
Award oi Excellence in the single
subject booklet category of the
annual Buginess Insurance Em-
ployee Benefits Communication
Awards competition, was mailed
to Kaiser emploYees at home last
November.
It explains how and whY to save
and invest, but the artwork is
what makes the book sPecial.
"Employee awareness is what
we're after. By having the art con-
test before the booklet is com-
piled, you're set up to get the
maximum power of the message
you're sending," Ms. Wesolowski
said. "We wanted to get awaY
from the so-called change of the
month, and make this stand out,"
she added.
The bright red cover with blue
trim across the top grabs the eYe
and draws readers into the book-
iet, which is filled with Plctures
from kids between the ages of 3
and 12.
In between the art are many ex-
olanations of how to save and in-
vest inteiligently, including sec-
tions on investment diversifica-
tion, aggressive vs. cautious in-
vesting and retirement planning.
The entire project cost about
$ 110,000.
-By
Michael Schachner
lhe Eusines lnsaf€nce Emplotoe Bsnatils Gommu.|ication Aralds
competillon rcc0gnizes oulstanding sflods bt smploters t0 ettectirelt ard
Greatiyely connlnicale benefits p]ogtarns t0 lh8ir r0t*e6.
fhe 22nd annral competition attlacGd 121 eilries frcm lui difletont
enpl0ters ir the United States ard Canada. 0l th6e, 18 pl0glams trom 17
dilference emploters sele cated l01 arards ir eight Gategories. 0m
enployer, lGllogg Co., son Arards ol Ercsllence ir the ilhltinedia Pl0gram
and Special Ploicct categodes'
Ihe r0rk 0t 18 emDl0tee benofit anilor Gonmunication Dor$lti||g tirm
rere represenled in this year's entd6. Eight lims helped Prepate
award-winning progmns lhis tear.
The 1994 EBC conpetition was iudged by 18 clperts in lhe tields ol
emplolee benefits, cotporate communication, design, ploducli0n and
marketing (see story, page 28).
