The Difference A Dollar A Day Can Make

Saving as little as a dollar extra a day can make a significant difference in a tax-deferred account.

See the difference saving a little extra would make for John Smith, keeping in mind that he:

• Has saved $50,000 for retirement.
• Is a moderate risk-taker and hopes to receive a pre-tax annual return rate of 8 percent.
• Is in the 31 percent marginal tax bracket.

*This is for illustrative purposes only, and does not represent the performance of any specific product.

The information provided is not specific investment advice, a guarantee of performance, or a recommendation. Typically, withdrawals from tax-deferred investment vehicles are taxed as ordinary income and any withdrawals taken prior to age 59½ may be subject to an additional 10 percent federal tax penalty. A plan of continuous or systematic investing does not ensure a profit and does not protect against loss in declining markets. Mortality and expense charges, sales charges, and administrative fees are not taken into account and would reduce the performance shown if they were. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk. Actual results will vary.

Any mention of ages, percentage amounts, and tax-deferral or deductibility are based on regulations at the time of this writing and are subject to change at any time.