[This article was archived on 7/13/2012.]
It is important to remember that the money in your retirement savings is exactly that—for your retirement. Investors who have stayed true to this approach have typically benefited. Yet in this uncertain environment, it can be easy to lose sight of your long-term goals. (If you are an investor who is nearing retirement, you might consider checking in with your local Mutual of America salaried representative.)
The chart below, using the S&P 500® Index of large cap stocks as an example, shows that large cap stocks generally have outperformed inflation and the other types of investments shown during the last 85 years.* Keep in mind past performance is no guarantee of future results, and many factors can influence a particular investment's performance as compared to the performance of the stock market as a whole.
Your Mutual of America representative is ready to help explain the different interest and investments alternatives in your retirement plan. Call your local Regional Office, or 1-800-468-3785, today. Or you can visit our Interest Account & Separate Account Investment Funds section.
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Before investing in our variable accumulation annuity contracts, you should consider the investment objectives, risks, charges and expenses (a contract fee, Separate Account expenses and Underlying Funds expenses) carefully. This and other information is contained in the contract prospectus or brochure and Underlying Funds prospectuses. Please read the prospectuses and brochure carefully before investing. The prospectuses and brochure can be obtained by mail or by calling 1-800-468-3785.
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*S&P 500 data combines information from the original index known as the S&P 90 (1926-56) and the S&P 500 Index (1957-present).
Source: Ned Davis Research. The S&P 500 Index is comprised of 500 leading companies in leading industries of the U.S. economy, and is a leading indicator of U.S. equities that is meant to reflect the risk/return characteristics of the large cap universe. Bond performance represented by Barclays Capital Long-Term Treasury Bonds Total Return Index. T-bills represented by 90-Day Treasury Bills. Inflation represented by the Consumer Price Index (CPI). Assumes $1 initial investment. Past performance is no guarantee of future results.
For illustrative purposes only. An investment cannot be made directly in an index. Although stocks have historically outperformed bonds, they also have historically been more volatile. Investors should carefully consider their ability to invest during volatile periods in the market. The investment alternatives available to you may or may not exceed those of the indices cited here. Not all of the investment alternatives available to you acquire stocks that are represented in the S&P 500 Index. "S&P 500®" is a trademark of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc.