Rebalance Education Module
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One of a suite of individual retirement education modules created for Nationwide Financial, the Retirement Goals Education Module helps a plan participant understand the importance of rebalancing their account each year. The module system gives retirement specialists the ability to create longer, fully customizable presentations by allowing them to mix, match and combine individual modules in the suite. This enables the sales force a greater flexibility in planning meetings and answering individual plan and participant needs.
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Rebalance Education Module
- 2. Rebalance 2
- 3. Rebalance 3 You smooth out investment returns. You take a new look at all of the investment options You take profits to invest in underperforming funds that may have merit Source: http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2011/03/15/why-rebalancing-your-portfolio-is-important, accessed 02/07/2013
- 4. Rebalance 4 Do it yourself Nationwide Investor Destinations ® Nationwide Target Destinations ® Nationwide ProAccount ® Investing involves market risk. The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market.
- 5. Investment advice for Nationwide ProAccount is provided to Nationwide ProAccount plan participants by Nationwide InvestmentAdvisors, LLC, an SEC registered investment adviser. WilshireAssociates Incorporated is not an affiliate of Nationwide or Nationwide InvestmentAdvisors, LLC (NIA). NIAhas retained Wilshire as an Independent Financial Expert for the Nationwide ProAccount portfolios. While NIAis the investment adviser, Wilshire has discretion over all investment decisions. NIAwill exercise discretionary authority to allocate and rebalance a Nationwide ProAccount client’s account to implement the individualized advice generated by Wilshire. Investor Destination funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the portfolio, you are indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. Target Maturity Funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the Target Maturity Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. Target Maturity Funds are designed for people who plan to withdrawal funds during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time.As a result, the funds become more conservative as they approach retirement. It’s important to remember that no strategy can assure a profit or prevent a loss in a declining market. Atarget-date fund’s principal value is not guaranteed at any time, including the target date designated in the fund’s name.
- 6. Neither Nationwide® nor any of its representatives give legal or tax advice. Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice. Nationwide Retirement Solutions, Inc. and Nationwide Life Insurance Company (collectively "Nationwide") have endorsement relationships with the National Association of Counties and the International Association of Firefighters-Financial Corporation. More information about the endorsement relationships may be found online at www.nrsforu.com. Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. For more detail about the payments Nationwide receives, please visit www.nrsforu.com. Retirement Specialists are registered representatives of Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation. Nationwide, the Nationwide framemark, and On Your Side are service marks of Nationwide Mutual Insurance Company. ©2013 Nationwide Retirement Solutions Inc. All rights reserved. NRM-6600AO.6 (02/13)
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- If it’s been a year or more since you looked at how your money is invested, we need to talk. Because chances are your current asset allocation needs to be adjusted. The market tends to fluctuate over time. Because of that and other changes that may impact your finances, your investment mix could be out of balance with your investment strategy. That’s why, at least once a year, you should make sure that your asset allocation still makes sense. Together, we can review your long-term financial goals and then see if your current mix of investments is helping you get there. [TRANSITION TO NEXT SLIDE] It’s what we call rebalancingand it can help you make a big difference for your future. Keeping your investments in harmony with your goals is kind of like…
- [CONTINUING THOUGHT STARTED ON PREVIOUS SLIDE] …keeping an engine in tune. Over time, engines maintained. So we bring it into the shop or, if we’re comfortable with our skills, we do the work ourselves. It’s pretty much the same idea with investing. To keep your account in balance – that is, your mix of investments as you arranged them – you should rebalance (or tune) your portfolio on a regular basis. Of course, strictly rebalancing back to the percentages of your original mix of investments may not be the best thing for you now. Your situation may have changed. You may see new opportunities and be willing to assume more risk to hopefully earn a greater reward. On the other hand, you may be enough closer to retirement that the risk of loss is becoming a bigger concern. [TRANSITION TO NEXT SLIDE]That’s a key benefit of rebalancing regularly: Adjusting for change over time.
- Here’swhy you may want to consider regular rebalancing: Rebalancing gives you the opportunity to take a new look at all of the investment options in your portfolio.Rebalancing forces you to take profits from the investment options which have run up and put money in those that may have merit but haven’t gone up.Rebalancing smoothes investment returns.This is a good point to remember that account rebalancing, as a form of an asset allocation investment strategy, does not assure a profit or protect against loss in a declining market. After all, investing involves market risk. It’s possible to lose money. While we cannot offer investment, tax or legal advice, we can help you understand market risk – and other risks you may face – and strategies to deal with them.…which is what we’re doing right now: exploring rebalancing as a means for possibly reducing the effects of market risk.[TRANSITION TO NEXT SLIDE] So, how can you implement rebalancing in your account?Source: http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2011/03/15/why-rebalancing-your-portfolio-is-important, accessed 02/07/2013
- There are 4 basic ways to rebalance your account.The Do It Yourself option puts you in complete control. You create your own mix of investments from the available options within the plan, and manually rebalance on your own schedule. For those who want control over their investment mix but prefer to rebalance on a set schedule, we offer a free automatic rebalancing service – your investment mix is automatically adjusted to your selected allocation every three months. The next 2 options, Investor Profile Funds and Time Horizon (or Retirement Date) Funds, both offer automatic rebalancing through asset allocation funds. These funds are pre-mixed with the goal of reducing risk while aiming to produce profit. Investor Profile funds are based on comfort level with the market and risk, whereas Retirement Date funds are age-based. Finally, there’s Nationwide ProAccount. With this option, you pay a professional to select investments and manage your retirement plan account. There is a fee for this service, about 1% of your balance. Of course, even with professional management, there’s no guarantee your objectives will be met.[TRANSITION TO NEXT SLIDE]Remember, each of these choices has its own benefits, restrictions, and costs. Please consider your options carefully before making a decision.
- To learn more about options available to you, visit your plan website or call me. Please remember that the information we provide is for educational purposes only and is not intended as investment advice. Also, please keep in mind the information you see on the screen. If you have questions about it, please do not hesitate to ask.PRESENTER: Ensure that this slide is on screen long enough that it can be read in full by the audience.