Making the Most of Your Retirement Plan

Your company’s retirement plan is a smart way to save for a secure financial future. Below are a few helpful hints to help you reach your goals.

Dos	Don’ts
Do participate today. Each day you wait is less money you will have at retirement.	Don’t let emotion rule. Remember that the market fluctuates and that you are in this for the long term.
Do diversify* your investments. Consider your age and your tolerance to risk.	Don’t “listen to your neighbor.” Consider the source of such investment advice.
Do contribute enough to receive the full benefits of the employer match (if offered).	Don’t time the market. This is a dangerous game to play.
Do rebalance your investment allocation regularly.	Don’t chase returns. It won’t get you any closer to where you need to be.

Remember, you are in control of your retirement savings – so be pro-active!

If you have any questions or are unsure how to invest your money, contact your benefits department or call your retirement plan consultant, R|W Investment Management at 208-297-5445.

*Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions.

Investments are not guaranteed and are subject to investment risk including the possible loss of principal.

The “Retirement Times” is published monthly by Retirement Plan Advisory Group’s Marketing team. This material is intended for informational purposes only and should not be construed as legal advice and is not intended to replace the advice of a qualified attorney, tax adviser, investment professional or insurance agent. (c) 2015. Retirement Plan Advisory Group. 401k-2011-19 ACR#148881 08/15