Prudential Retirement

Prudential Retirement Products

Annuities

Annuities are an investment in a life insurance policy that offers steady lifetime payments after an initial investment. Prudential provides several types of annuities, depending on your current and future financial needs. Fixed annuities offer a fixed interest rate. Variable annuities offer more risk but potentially higher payouts. Immediate-income annuities allow for a payout soon after investing. Modified guaranteed annuities provide tax-deferred earnings for a set period of time.

Mutual Funds

Mutual funds are companies that pool money from all contributors and invest the funds in stocks, bonds, and securities. Since a financial professional is directing and diversifying the investments, typically less risk is associated with a mutual fund than with investing in stocks and bonds directly. Minimum investments are often required.

IRAs

Workers can make contributions to Individual Retirement Accounts (IRAs) and enjoy tax benefits as their money grows. Prudential also offers Rollover IRAs. These specialized IRAs allow you to contribute funds from another retirement account. You may transfer funds from another IRA or a 401(k) plan with a past employer. Investors cannot withdraw funds from an IRA before age 59 1/2 without incurring substantial penalties.

Life Insurance

Life insurance is primarily designed to provide for your family's financial well-being after your death. However, as the cash value of a life insurance policy grows, withdrawal and loan options become available, allowing investors to treat it as retirement income.

Long-Term Care Insurance

Long-term care insurance ensures your retirement savings won't be drained by a nursing home stay or home health care needs.

Disability Insurance

Disability insurance is a form of retirement planning as it protects retirement savings in the event of long-term disability. With disability insurance payments helping to pay the bills, you can rest easy knowing your retirement is secure.

Business Retirement Services

Prudential claims $132 billion in retirement account assets, as of June 2005, with three million clients from public, private, and non-profit groups. They are equipped to provide and manage investments in annuities, mutual funds, 401(k)s, 403(b)s, and much more.

Retirement Resources

Additionally, Prudential Retirement offers helpful advice for retirement planning, whether you choose to invest with them or not. A retirement basics section on the Prudential Web site offers articles and reports on everything from taxes to IRAs. Calculators and guides help you evaluate your retirement savings, estate planning, and life insurance needs. If you've decided to take advantage of Prudential Retirement services, the Web site will help connect you to a financial advisor in your area.

Online Account Access

• Online access to your Prudential Retirement account gives you a convenient means of keeping track of your retirement savings.
• First-time users simply need to enter their social security number, date of birth, and zip code to get started.
• Business owners offering Prudential Retirement products to their employees have separate account access.
• Prudential 401(k) plan investors can download their account information in Quicken or Money format to easily keep track of their earnings.
• Prudential's Signature Online is an additional retirement planning resource offering interactive educational modules.

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