Enroll Meet with your VALIC financial advisor Increase contributions Diversify The 457(b) Deferred Compensation Plan (DCP) with VALIC offers: Pretax contributions > Contribute pretax by convenient payroll reduction > Reduces your taxable income and may help reduce current income taxes 2013 contribution limits > 100% of annual includible income up to $17,500 in 2013 > An additional $17,500 in 2013 as a service-based catch-up contribution if you are within the last three taxable years ending the year before normal retirement age under your plan and you have undercontributed in prior years > $5,500 age-based catch-up (in 2013) if you are age 50 or older NOTE: You cannot benefit from both catch-up provisions, but you can select the option that gives you the higher amount Tax-deferred accumulation > Current federal income taxes deferred until withdrawal, usually at retirement > Remember that income taxes are payable upon withdrawal and federal restrictions may apply to withdrawals prior to age 70½ Investment flexibility > Choose from a range of mutual fund investment options from well-known investment managers > Remember retirement accounts are long-term investments. Investment values will fluctuate and there is no assurance that the objective of any fund will be achieved. Mutual fund shares are redeemable at the then-current net asset value, which may be more or less than their original cost. Bear in mind investing involves risk, including loss of principal. Convenient access > Enroll on MyRetirementManager.com following the instructions on the back of this flier > Once enrolled, you can access your account online or by phone to see account values, recent activity, or to manage your investments > VALIC by Phone: 1-800-448-2542 > VALIC Online: VALIC.com > Access account information on your mobile device. • VALIC Smartphone App for iPhone® or Android™-based phones • VALIC Mobile Access for Web-enabled devices at my.valic.com/mobility Access to your contributions > Generally, depending on your employer’s plan, your account contributions may be distributed in any of the following events • Turning 70½ • Separation from service • Unforeseeable emergencies • Your death For more information, call your VALIC financial advisor at 1-619-718-7000. 1 of 2
Transcript
Enroll
Meet with your VALIC
financial advisor
Increase
contributions
Diversify
The 457(b) Deferred Compensation Plan (DCP) with VALIC offers:
Pretax contributions
> Contribute pretax by convenient payroll reduction
> Reduces your taxable income and may help reduce current income taxes
2013 contribution limits
> 100% of annual includible income up to $17,500 in 2013
> An additional $17,500 in 2013 as a service-based catch-up contribution if you are within the last three taxable years ending the year before normal retirement age under your plan and you have undercontributed in prior years
> $5,500 age-based catch-up (in 2013) if you are age 50 or older
NOTE: You cannot benefit from both catch-up provisions, but you can select the option that gives you the higher amount
Tax-deferred accumulation
> Current federal income taxes deferred until withdrawal, usually at retirement
> Remember that income taxes are payable upon withdrawal and federal restrictions may apply to withdrawals prior to age 70½
Investment flexibility
> Choose from a range of mutual fund investment options from well-known investment managers
> Remember retirement accounts are long-term investments. Investment values will fluctuate and there is no assurance that the objective of any fund will be achieved. Mutual fund shares are redeemable at the then-current net asset value, which may be more or less than their original cost. Bear in mind investing involves risk, including loss of principal.
Convenient access
> Enroll on MyRetirementManager.com following the instructions on the back of this flier
> Once enrolled, you can access your account online or by phone to see account values, recent activity, or to manage your investments
> VALIC by Phone: 1-800-448-2542
> VALIC Online: VALIC.com
> Access account information on your mobile device.
• VALIC Smartphone App for iPhone® or Android™-based phones • VALIC Mobile Access for Web-enabled devices at my.valic.com/mobility
Access to your contributions
> Generally, depending on your employer’s plan, your account contributions may be distributed in any of the following events
• Turning 70½ • Separation from service • Unforeseeable emergencies • Your death
For more information, call your VALIC financial advisor at 1-619-718-7000.
1 of 2
Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor.
VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries, VALIC Financial Advisors, Inc. and VALIC Retirement Services Company.
Book your flight San Diego Unified School District457(b) Deferred Compensation Plan with VALIC
How to enroll:1. Log on to www.myretirementmanager.com/?sdusd
2. Click the “I’m a new user” link
3. Enter your last name, date of birth, employee ID, last four digits of SSN and click “Continue”
4. Follow the steps to create a user ID and password
5. From the participant home page, click the “Start or Change my Contributions” link under “My Savings Manager”
6. Select “SDUSD QUALIFIED DEFERRED COMP” from the drop-down box on the plan selection page
7. Select pay date to begin contributions and click “Next”
8. Select “Ongoing Flat Dollar $ Contributions” as contribution change type
9. Enter contribution amount
10. Select 100% for VALIC Mutual Fund and click “Next”
11. Review your contribution and vendor selection. Enter email and address if you would like to receive a confirmation of your request and click “Submit”
12. Click “I agree” to authorize the completion of the electronic Salary Reduction Agreement
13. To print your salary reduction confirmation, click “Print Confirmation Details” under the section titled “Confirmation”
14. To begin online enrollment, click “Investment Provider Contacts” under the section titled “To Complete Your Request” on the Contribution Change Page
15. Select “SDUSD QUALIFIED DEFERRED COMP” as the plan type to view the contact information for VALIC Mutual Fund
16. Under the provider, VALIC Mutual Fund, click the link titled “Establish an Account with this Provider”
17. Click “here” in the box titled “Establish an Account”
18. Enter Group ID 01375002 and click “Submit”
19. Enter your Social Security number, read disclosure and click “I agree”
20. Enter personal information such as address and date of birth
21. On verification page, if information is correct, click “Save and continue”
22. Choose how you are going to invest your money, click “Calculate,” read disclosure box and, if you agree, click “Continue”
23. Choose beneficiaries and confirm
24. On verification page, if information is correct, click “Save and continue”
25. On final review and submission page, click “Yes enroll me now”
26. If desired, return to Retirement Manager and print the salary reduction agreement (SRA), then log out
