This document summarizes retirement planning services offered by Principal Financial Group. They provide a comprehensive retirement planning solution through a 6-step advisory process enabled by their retirement planning platform. Their solutions address clients' financial needs at all life stages from youth to retirement through personalized planning, asset allocation strategies, and ongoing monitoring and rebalancing. As a global leader in retirement and financial services with over $400 billion in assets under management, Principal Financial Group offers advisory capabilities backed by their worldwide best practices and operational expertise.

1. Retirement Planning
Solutions for lifetime

2. That is where we come in…
• Simplify the Complex Process of planning
• Offer one complete solution ‐ addressing your
financial needs
• Deliver a Personalized plan – tailor made to your
needs
• Provide all services under one roof ‐ Analysis,
Planning & Monitoring
• Partnering with you throughout your life span
Help you approach your goals confidently
As part of The Principal Financial Group® (PFG), a global leader in
retirement & financial services, we will

3. Spending Years – Youth
Needy Years – Married
Responsible Years – Married with kids
Settlement Years – Married with adult
children
Peaceful Years ‐ Retired
Worried Years – Couples with
marriageable children
Retirement Planning
covers all Life Stages & Life Events
leading upto a peaceful Retired Life

4. The 6‐step advisory process forms
the crux of our offering
Enabled by the state‐of‐the‐art Retirement planning Platform and time tested,
research driven profiling & asset allocation models.
Periodic Monitoring & Rebalancing
Investment Allocation Strategy
Asset Allocation
Investor Profiling
Analysis of current financial situation
Identify your retirement &
financial goals

5. Advisory
Capabilities
Global
Best Practices
Operational
Expertise
Advisory services driven by the
Retirement Planning Platform
Time tested research & advisory
capabilities Best Practices from our
worldwide operations
Technological Integration for
seamless operations
Strong Core Values
Our solutions are backed by

6. Our Credentials

7. A Name You can Trust
We are part of the one of the leading financial services
organization in the world ‐ The Principal Financial Group
(PFG)
Details as on Dec 31st, 2012, unless otherwise stated Source: www.principal.com
About PFG
• A leading global provider of retirement & investment services
• Largest 401(k) provider & 11th largest Life Insurance Company in the US
• Ranked 268th on Fortune magazine’s Top 500 Corporation list (May’2011) and 481st on the Forbes
Global 2000 list(April’ 2011)
• Listed on NYSE (Symbol PFG), constituent of S&P 500 since July 2002
• $403 Billion in Assets Under Management, Operating Earnings $808 million
• 18.3 million customers, 13,500 employees worldwide, Offices in 18 countries across Asia, Australia,
Europe, Latin America and America
• PFG’s products includes Pension, Insurance, Asset Management, Mortgage & Banking
• Managing Assets for 10 of the Top 25 pension funds in the world(September’2011)

8. PRINCIPAL FINANCIAL GROUP
Headquarters
Des Moines, Iowa
Mexico
Principal AFORE
Pensions
Principal Seguros
Life Insurance
Principal Pensiones
Annuities
Principal Fondos de
Inversión, S.A. de C.V
(PFI)
Mutual Funds, IAM
Chile
Principal Vida
Annuities / Pensions
Principal Creditos Hipotecarios
Residential Mortgages
Principal AGF
Mutual Funds, IAM
Cuprum
Pensions - Mandatory
Brazil
BrasilPrev - JV with
Banco do Brasil
Pensions, Annuities, IAM
India
Principal/AMC -
JV with PNB/Vijaya
Mutual Funds
Principal PNB Asset
Management Co.
Asset Management
PRA
Malaysia
CIMB-Principal AMC - JV
with CIMB Group
Mutual Funds, Asset
Management
CIMB Principal Islamic
Asset Management (PGI
JV with CIMB Group)
Islamic Institutional Asset
Management
Hong Kong
Principal Insurance Company
Pensions, Mutual Funds, IAM
Principal Global Investors (Asia) Ltd.
Asset Management
China
CCB-Principal AMC – JV with CCB
Mutual Funds, IAM
Representative Offices
Pensions, Asset Management
Germany
Principal Global Investors
(Europe) LTD
Asset Management
Ireland
Principal Global
Investors (Ireland) Ltd
Mutual Funds
UK
Principal Global
Investors(Europe) LTD
Asset Management Japan
Principal Global Investors (Japan) LTD
Asset Management
Australia
Principal Global Investors (Australia) LTD
Asset Management
Singapore
CIMB-Principal AMC
Principal Global Investors
(Singapore)
Asset Management
Thailand
CIMB-Principal AMC
Mutual Funds, Asset Management
Indonesia
CIMB-Principal AMC
Mutual Funds, Asset Management
Netherlands
Principal Global Investors
Representative Office
Asset Management
UAE
Principal Global Investors
Representative Office
Asset Management
PFG – Global Presence

9. PFG – Some Awards & Recognition
• Ranked as the No.1 investment brand in the 2011
Harris Poll EquiTrend Study – May 2011
• Named as one of the worlds most ethical companies
for the fourth consecutive year by Ethisphere
Magazine ‐ March 2010
• Recognized by Pension & Investment magazine as
one of the magazine’s Eddy Award winners for
excellence in investment education for defined
contribution plan participants. – March 2010
• Principal Funds ranked as the fifth largest manager
of life‐cycle mutual funds by Financial Research
Corporation. – December 2010
• Principal Funds ranked no. 3 on Barron’s annual
ranking of top Mutual Fund companies – February
2011
Source: www.principal.com

10. DELIVERING YOUR
through
EXPERTISE, INTEGRITY
& FOCUS