7 things you should know about your retirement plan.

Download (0)

Full text

(1)

We can help you get started.

7 things you should

know about your

retirement plan.

Prepared exclusively for

(2)

Schwan’s Shared

Services, LLC has asked

us to provide you with

retirement help.

Let’s get started.

Why get help?

What we have heard from other investors:

1

“I don’t know where to find help that I can trust.”

“I’m not sure I’ll have enough to retire.”

“ I don’t know if the investments that I have

selected are right for me.”

“ I don’t have time to research investments.

I can’t keep up.”

(3)

Can it make a difference?

Yes, professional investment management can

make a difference.

retirement income

When can you retire?

How much do you need to retire?

We can give you an idea

of what you could expect.

savings

Are you saving enough?

Are you leaving money on the table?

We can point out your savings

opportunities.

investments

Did you pick the right investments?

Are you taking too much risk?

We can help manage your account

from the risk of big losses.

*

What is retirement help?

Answers to your questions.

3

2

Financial Engines recently studied more than

106,000 investors to see how J.P. Morgan Personal

Asset Manager could help them. No investment

advisor can guarantee results. Through this

study, we found that more than 90% of people

improve expected growth or reduce the risk of

big losses when they join our program.

*

90

%

* Expected growth refers to a comparison we have made to the investors’ portfolios, comparing the projected performance of the portfolios based on how J.P. Morgan would manage the accounts, against how the portfolios are projected to perform if they remain unchanged and if we did not manage them. The projected improvement is net of the applicable program advisory fees. Reducing the risk of losses refers to reallocations we may make in order to manage an investor’s portfolio in a manner more appropriate for the level of risk intended for the portfolio. An example of a portfolio that could be inappropriate for risk is one with too much company stock. Our analysis included portfolios generated between September 1, 2004 and December 31, 2011, as part of our investment advisory services. The projected outcomes are based on Financial Engines’ forecasting methodology, which projects the likelihood of various investment outcomes that are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Your actual results may vary.

(4)

What’s the right help for you?

One solution does not work for everyone.

4

or

You prefer to partner

with investment professionals.

You want help getting on track and staying there.

You can be highly involved or just occasionally check in.

You enjoy managing

your retirement account.

You are confident of the investment decisions you make.

You actively adjust your plan to stay on track.

When it comes to your retirement account, doing nothing may not be the best option. Investment professionals can help keep you on track. And that’s exactly why we are here.

We watch expenses carefully. Some funds cost more than others and our analysis takes this into account, this may help you avoid unnecessary costs that can eat into investment returns.

A personalized plan and investment

advisor representatives to talk to.

J.P. Morgan Personal

Asset Manager

may be right for you.

Turn to the next page to see how it works

Unlimited access to powerful

online retirement planning tools.

Personal Online Advisor

may be right for you.

Turn to the next page to see how it works

(5)

We

d

o t

he

w

ork

Add J.P. Morgan Personal Asset Manager.

How does it all work?

Here’s what’s behind our advice and what’s in it for you.

We send a personalized

plan to you.

We put your plan

into action.

We routinely monitor your

account and rebalance as needed.

We can consider assets

outside your account.

We have investment advisor

representatives you can talk to.

We keep you informed

with quarterly Retirement Updates.

retirement plan prepared for Jamie Branson

Current age: 5 5

Retirement age: 65

Data as of: Sep 29, 20081 The details of how we’re getting you on track for retirement.

investment plan

We will start making these changes in the next few weeks.

We plan to make changes to your ACME 401(k) account.

savings plan You are currently saving $9,000 per year and taking full advantage of you company match. retirement income plan If performance is average you may have $43,600 per year of income in retirement.7

This does not include the suggested savings increase of r

retirement plan prepared for Jamie Branson

Current age: 5 5

Retirement age: 65

Data as of: Sep 29, 20081 The details of how we’re getting you on track for retirement.

investment plan

.

We plan to make changes to

savings plan You are currently saving $9,000 per year

retirement income plan If performance is average you may have $43,600 per year

5

Relax

Schwan’s Shared Services, LLC has arranged for a program fee of about $5 a month for each $10,000 in your account, with discounts for balances over $100,000. You can cancel anytime without penalty. See fee details in the Q & A section of this guide.

Enjoy

Personal Online Advisor is available through your plan for no additional fee to you. Log on at retireonline.com, select the name of your plan, and click “Get advice”.

Yo

u d

o t

he

w

ork

You use our online tools to

build your strategy.

You get advice on a mix of

funds that can include other accounts you tell us about.

You can log on anytime to

see if you’re on track.

You request the transactions

for your account.

You can get support

by phone.

You can sign up for e-mail

Progress Reports.

Emerging Markets Fund 17%

Small Cap Growth 58%

Intermediate Bonds 25% Log on to Personal Online Advisor. EXAMPLE ONLY $26,800/yr Forecast $43,000 per year AVG PERFORMANCE POOR PERFORMANCE TI POTEN AL LOSS EXAMPLE ONLY 10.4% or more

Use investment professionals — J.P. Morgan Personal Asset Manager

Do it yourself — Personal Online Advisor

Add J.P. Morgan Personal Asset Manager to my account.

Date Signature

(6)

Who can help you

with retirement?

Our experienced investment professionals.

J.P. Morgan and its affiliates bring a history of

leadership in global financial services and investment

management going back nearly two centuries.

J.P. Morgan Retirement Plan Services serves

nearly 200 employers like yours with more than

1.7 million retirement plan participants.

You already know us as the company that administers

your Schwan Food Company Retirement Savings Plan

account. Now, J.P. Morgan Institutional Investments

Inc., with services powered by Financial Engines, offers

professional investment advice through your plan.

Financial Engines Advisors L.L.C. is an independent,

registered investment advisor selected by J.P. Morgan

Institutional Investments Inc. to provide subadvisory

services. Financial Engines does not sell any

investment products or receive commissions on any

participant transactions.

7

6

Who else is getting help?

People just like you.

When it comes to preparing for retirement,

anyone can benefit from help.

We believe everyone deserves personalized

retirement help. Regardless of your goals,

preferences, or age, we can help — no matter

what you earn or how much you’ve saved.

(7)

Got a question?

Other things you might want to know.

Q:

Why is my company offering retirement help from JPMII?

A:

So you can make the most of your retirement plan benefits. With

J.P. Morgan Personal Asset Manager, you can get professional investment management for less than what you might pay on your own elsewhere. Or, you can access Personal Online Advisor at no additional cost to you.

Q:

Aren’t the company and it’s representatives already

managing my account in The Schwan Food Company Retirement Savings Plan account?

A:

No. Schwan’s Shared Services, LLC or it’s representatives select a diverse

mix of funds to offer in your plan’s investment options, but it is your responsibility to make appropriate investment choices for your needs. JPMII can help you feel more confident about making those choices.

Q:

Do I have to give up control of my account?

A:

With Personal Online Advisor, it’s up to you to decide whether

to take our recommendations. With J.P. Morgan Personal Asset

Manager, all of your money stays in your Schwan Food Company

Retirement Savings Plan account, and we manage it for you. You’ll continue to receive statements, check your balance, and adjust your savings rate just as you do today. You delegate the responsibility to us to take care of the investment and rebalancing transactions. If you change your mind and want to make transactions yourself, you can

cancel anytime without penalty.

Q:

Is my personal information kept private?

A:

Your privacy is important to us. JPMII will not sell, reveal, or share

your personal information with third parties, except with your permission, as disclosed to you, or as authorized by law.

Q:

What’s the difference between J.P. Morgan Personal Asset

Manager and Personal Online Advisor?

A:

If you’re already managing your account through retireonline.com,

Personal Online Advisor is a self-service way to get objective advice. You have to implement its personalized recommendations on your own and check back regularly for updates. But if that doesn’t sound like you, or if you’re not sure you’re making good decisions, you may be interested in having investment professionals monitor and manage your account for you. The J.P. Morgan Personal Asset Manager program is a full-service way to get ongoing, independent investment management for your account.

(8)

Q:

How does J.P. Morgan Personal Asset Manager work?

A:

J.P. Morgan Personal Asset Manager adjusts your investment risk

over time to help you stay on track for retirement. J.P. Morgan Personal Asset Manager also gives you customized advice with a personalized portfolio that you can tailor to your specific needs. For example, you can request more or less risk than your peers, make sure your Schwan Food Company Retirement Savings Plan holdings stay in balance with investments you hold outside the plan, or specify how much company stock you want. Plus, you get quarterly progress reports, and toll-free access to investment advisor representatives when you have a question.

Q:

How much does J.P. Morgan Personal Asset Manager cost?

A:

Schwan’s Shared Services, LLC has arranged for a program fee that is about 30% lower than what you might pay on your own.*

PORTION OF ACCOUNT ANNUAL RATE MONTHLY AMOUNT**

Up to $100,000 0.60% $5.10 per $10,000

Between $100,000 & $250,000 0.45% $3.82 per $10,000

Over $250,000 0.30% $2.55 per $10,000

The program fee is paid from your account, so there is no bill to pay and no reduction in your take-home pay. It’s easy to add to your account and you can cancel anytime without penalty.

* The industry average is based on the annual AdvisorBenchmarking Study. The Study found that on average, Registered Investment Advisors (RIA) charge 0.92% or about $7.67/mo per $10,000 and require a minimum balance of $250,000. J.P. Morgan Institutional Investments Inc. (JPMII) has no minimum balance requirement (except for nominal amounts, as needed operationally to manage the account). 30% fee comparison assumes management of a $100,000 account. Industry average fees shown are subject to change. The AdvisorBenchmarking Study is based upon online surveys of 427 self-selected RIA firms from February to May 2010. Investment Advisor services vary. Some advisors in the Study may provide different services than JPMII.

** J.P. Morgan Personal Asset Manager fees are charged in the frequency and manner detailed in the Terms and Conditions; monthly fee examples are for illustrative purposes only.

It’s easy to get started.

Personal Online Advisor is available by logging on to your

account at retireonline.com. Select the name of your plan and click “Get advice”.

To add J.P. Morgan Personal Asset Manager,

visit retireonline.com, or call 800-345-2345. To reach a representative, enter your Social Security number and press 0 (zero) followed by the # (pound) key when prompted for a password. The TDD number for those with a hearing impairment is 800-345-1833.

(9)

Investment Advisor Representatives

Call 800-345-2345

Business days, 7 a.m. to 8 p.m. CT

CPY007914

JPM-SCW-GD-V2-RE-AI-082112

Figure

Updating...

References