What to do with an old retirement account

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What to do with an old retirement account

In this episode Pete reviews the options for what to do with an old retirement account when you change jobs.

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Overview

Enjoy these brief videos outlining important topics related to your retirement preparation. They are fun, educational, engaging and packed with lots of tips to assist you in taking the next steps today.

Pete the Planner: Do you have enough to retire?

Pete the Planner provides steps to help you better prepare as you near retirement.

Pete the Planner: Competing financial goals

Pete the Planner answers Carrie's question on how to balance multiple financial goals, such as saving for college and preparing for retirement.

Pete the Planner: Downside of loans

Pete illustrates how retirement plan loans affect your retirement goals.

Pete the Planner: Freed up cash

Justine asks Pete the Planner how to use her freed up cash flow to prepare for retirement.

Pete the Planner: In-service withdrawals

Pete the Planner explains what a in-service withdrawal is and what to consider before performing one.

Pete the Planner: Justifying investing

Pete the Planner discusses David's concerns with how to invest in his retirement plan when he has limited financial resources.

Pete the Planner: Loans and homes

Darren asks Pete the Planner what he should consider before taking a loan from his retirement plan for a downpayment to buy a house.

Pete the Planner: Matching contributions

Pete discusses how matching contributions can help you prepare for retirement.

Pete the Planner: Pre-retirement loans

Pete the Planner answers Anna's question on if she should take a pre-retirement loan to purchase a car.

Pete the Planner: Retirement basics

Pete discusses four concepts to consider as you prepare for retirement.

Pete the Planner: Retirement Income Streams

Pete illustrates the retirement income streams available and how your employer-sponsored retirement plan fits into your retirement preparation.

Overview

These interactive calculators will help you take an active role in your learning and will assist you in developing a proactive plan to achieve your goals.

403(b) 15-Year Catch-up Calculator

Learn about additional opportunities to save for retirement.

Asset Allocation Calculator

Your risk tolerance affects how you allocate your retirement assets.

This calculator contains content that is best viewed in landscape orientation. We suggest rotating your device so it is longer than it is tall.

What type of investor are you?

As an investor, you want to find a balance between financial stability and potential asset growth — a balance that makes you comfortable with how you allocate your assets. Most investors fall into one of five types, depending on how much they value stability over growth. Get a feel for your financial risk tolerance when you answer these questions.

Determine your investor profile

I expect to begin withdrawing money from my retirement account in:

Once I begin withdrawing money from my retirement account, I expect the withdrawals to last:

I would take money out of my retirement account to pay for a large, unexpected expense.

To meet my financial goals, my investments must grow at a high rate of return.

I prefer investments that are a low risk, even if the returns are lower than the rate of inflation (the rise in prices over time).

I prefer an investment strategy designed to grow steadily and avoid sharp ups and downs.

When it comes to investing, protecting the money I have is my highest priority.

I am unwilling to wait several years to recover from losses I could incur in an extended down market.

I always choose investments with the highest possible return, even if the investments may frequently experience large declines in value because of higher risk.

10.

If I had $1,000 invested in an account, and its value dropped to $850 after six months, I would move all my money to a more conservative account.

Note: Investment information is provided for educational purposes only.

Group variable annuity products are issued by American United Life Insurance Company^® (AUL) and registered group variable annuity products are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, One American Square, Indianapolis, IN 46282, which is a wholly owned subsidiary of AUL. McCready and Keene provides administrative and record keeping services and is not a broker/dealer or an investment advisor. Neither AUL, OneAmerica Securities, McCready and Keene nor their representatives provide tax, legal or investment advice.

Investing always involves risk, including the potential loss of principal. Participants should carefully consider their risk tolerance, investing time horizon, needs and objectives as well as the specific risks and limitations associated with each of the investment options before investing.

What type of investor are you?

Your answers indicate that a retirement portfolio similar to this may suit your investment type.

This risk profile is a sample only. The proper asset allocation for your situation may differ. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. If any of these factors change, you should review your investment allocation.

Cost of Waiting Cost of Waiting

Waiting to begin saving for retirement can have a huge impact.

Cost of Waiting

Retirement Income Retirement Income

This calculator can be used regularly to confirm that your retirement strategy is aligned with your retirement goals.

Retirement Income

Small Changes, Big Savings Small Changes, Big Savings

Saving a small amount now can make a big difference later.

Small Changes, Big Savings

Overview

All the guides and articles here are jam-packed with ideas on the nuts and bolts of retirement planning as well as topics that are relevant to your life planning. Take the time to read these short topical articles, and then take the next steps to achieve your goals.

The Benefits of Tax Deferral

Retirement plan contributions are tax deferred, so they don’t impact your take-home pay as much as you’d think!

4 Things to Consider Before Taking a Loan from Your Retirement Account

Take time to think about these four things before taking a retirement plan loan.

Contribute More to Your Retirement Account

Invest more toward your retirement goals by practicing three basic money management techniques.

Retirement Check-In

Your ability to confidently retire at a specific age requires planning throughout your working years. An annual retirement plan checkup will show where you stand now and help you zero in on any adjustments you may need to make.

Simplify Your Retirement Accounts

Combining your retirement accounts into one can help streamline your preparation efforts.

Guide for starting late with retirement preparation

Pete the Planner’s guide can help if you have gotten off to a late start with retirement preparation.

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Small Changes, Big Savings

Saving a small amount now can make a big difference later.

Find out what you can save now

Calculate Your Retirement Goals

The demand for your retirement income affects the amount of income you need.

Find out how

Avoid Retirement Mistakes

Making mistakes while preparing for retirement could put you behind in reaching your goals.

Learn what to avoid

Getting a Late Start?

It's never too late to get started on preparing for retirement.

Learn how to get started today

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