The document introduces the AXP Portfolio Builder Series, a turnkey asset allocation solution that simplifies retirement plan investing. It offers a range of professionally managed portfolios to meet different investment objectives and risk tolerances. This allows retirement plan participants to feel comfortable that their assets are professionally monitored without having to make complex investment decisions themselves. Contacting an American Express financial advisor can provide more information on how the AXP Portfolio Builder Series can help retirement plan participants easily invest for retirement in a way that matches their goals and risk tolerance.
1. 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.
AXPยฎ Portfolio Builder Series simplifies retirement plan investing
Now thereโs help. AXP Portfolio Builder Series is a turnkey asset allocation
solution that simplifies the investment decision process by addressing
AXPยฎ Portfolio Builder
participantsโ 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
โฒ Six Fund Options AXPยฎ Portfolio Builder
Higher Return Potential
Total Equity Fund
AXPยฎ Portfolio Builder
Aggressive Fund
AXPยฎ Portfolio Builder
Moderate Aggressive Fund
AXPยฎ Portfolio Builder
Moderate Fund
AXPยฎ Portfolio Builder
Moderate Conservative Fund
AXPยฎ Portfolio Builder
Conservative Fund
Higher Risk
โฒ
2. 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 participantsโ 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. Theyโll learn that AXP Portfolio Builder Series provides:
โ Immediate and multi-layered diversification for any investment amount, an important advantage for retirement
accounts that typically start small, but can accumulate quickly.
โ Asset allocation decision-making in the hands of experienced professionals.
โ Easily tracked performance.
โ 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%
AXPยฎ Portfolio Builder AXPยฎ Portfolio Builder AXPยฎ Portfolio Builder AXPยฎ Portfolio Builder AXPยฎ Portfolio Builder AXPยฎ Portfolio Builder
Conservative Fund Moderate Moderate Fund Moderate Aggressive Fund Total Equity Fund
Conservative Fund Aggressive Fund
โ Stock Funds 20% โ Stock Funds 35% โ Stock Funds 50% โ Stock Funds 65% โ Stock Funds 80% โ 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
โ Bond Funds 70% โ Bond Funds 60% โ Bond Funds 50% โ Bond Funds 35% โ 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
โ Cash 10% Global Global Global Global
Multi-sector Multi-sector Multi-sector Multi-sector
โ 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
ยฉ 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)