Your RetirementLeft to the Experts

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Your RetirementLeft to the Experts
OnTarget Your RetirementLeft to the
Experts
NYLIM-AO12868
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Agenda
OnTarget

• Do it yourself youre not alone!
• OnTarget the autopilot retirement plan
• Managed Investing
• Managed Savings
• Do you have a savings gap?
• Program fees
• How do I sign up?

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Today Do It Yourself
OnTarget

• Determine your retirement income needs
• Decide how much to save
• Pick the appropriate investment options
• Review and revise your plan strategy at least
  once a year

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OnTarget
Automatic Procedures
How much do I need?
How much should I save?
Which investments?
How often to review?
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Who is it designed for?
OnTarget

• Are you someone who
• doesnt want to become an investment expert
• doesnt have enough time
• needs help choosing suitable funds
• lacks the discipline to
• increase your savings rate
• rebalance your investment mix

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Managed Investing
OnTarget

• A personalized strategy based on your
• Age
• Years to retirement
• Annual income
• Account balance
• Savings rate
• Investment mix
• Constantly monitored to stay aligned with your
  retirement income needs

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Managed Investing
OnTarget

• Who manages my investment strategy?
• New York Life Investment Management LLC (New
  York Life Investments)
• 223 billion in assets under management
• Morningstar Associates, LLC
• Independent Financial Expert

As of 11/30/08 with affiliates
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Who Is Morningstar Associates?
OnTarget

• The investment advisory arm of Morningstar, Inc.
  who is
• Based in Chicago with offices around the world
• Known for creating the five star mutual fund
  rating system
• Known for independent, objective investment
  expertise
• Offer a range of investment advisory services to
  the retirement plan industry
• Serve more than 24,000 plan sponsors
• Work with more than 8 million participants
• Currently advise on or manage more than 25
  billion assets

As of 12/31/2007
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Investment Expertise
OnTarget

• Our approach to investment advice leverages our
  companys investment expertise
• Personalized PortfoliosMorningstar creates
  individual plans and portfolios for every single
  participant
• Portfolio ConstructionMorningstar artfully
  integrates the process of asset allocation and
  fund selection
• Experienced Investment ProfessionalsMorningstar
  provides qualitative oversight of quantitative
  methodology through their team of experienced
  investment professionals who oversee the
  investment management process
• Holdings-Based Approach to Fund
  SelectionMorningstar creates more accurate
  allocations by pinpointing a funds underlying
  holdings and designing a bottom-up portfolio
  allocation

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Managed Savings
OnTarget

• Automatic, annual savings rate increases
• Your first savings rate increase of 1 happens
  next year
• Savings rates will be capped at 15
• Opt out at any time

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Personalized Gap Analysis
OnTarget

• Explains what youre doing right and what you
  could be doing differently
• Based on 70 income replacement at retirement
• Shows how OnTarget may help close the gap

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Experiencing a Shortfall
OnTarget
This illustration is hypothetical and is not
based on any specific investment.
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Experiencing a Surplus
OnTarget
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Can OnTarget Help Me?
OnTarget
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How Can I Personalize My Strategy?
OnTarget

• Adjust your
• Income Goal
• Retirement age
• Social Security projection
• Outside asset mix
• Partner/Spouse Information
• Visit www.bcomplete.com
• Call 1-800-294-3575

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Comprehensive Service
OnTarget

• Initial investment strategy
• Quarterly rebalancing
• Annual reallocation
• Annual Progress Report
• Ability to enter outside assets
• Check-in calls by OnTarget Representatives

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Annual Progress Report
OnTarget

• OnTargets annual recap of your account
• New retirement income goal
• Asset allocation before and after
• Historic OnTarget transactions
• Rollover form request

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How do the fees work?
OnTarget

• Fees are deducted on a monthly basis
• Personalized Gap Analysis projections are shown
  after the deduction of OnTarget fees
• There are no account minimums
• Cancel at any time without penalty

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How much does it cost?
OnTarget

• Retail advice can cost 1.5 to 2
• OnTarget costs half a penny, or less, for every
  dollar you save
• OnTargets fees vary by account balance

Kiplinger.com, 2006
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Whats Next?
OnTarget

• Review your Personalized Gap Analysis youve
  received it at home
• Four easy ways to sign up
• Return the reply card
• Visit www.bcomplete.com
• Call 1-800-294-3575
• Fill out/sign the OnTarget enrollment form
• Cancel at any time without penalty

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Reply Card
OnTarget

• Pre-coded with your information
• Check Yes
• Sign your name
• Drop the reply card in the mail

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Sign Up on the Web
OnTarget
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Change Your Defaults
OnTarget
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OnTarget

• The information contained herein is general
  in nature and is provided solely for educational
  and informational purposes. Neither New York Life
  nor its affiliates provide legal, accounting or
  tax advice. You should obtain advice specific to
  your circumstances from your own legal,
  accounting and tax advisors.
• Securities distributed by NYLIFE Distributors
  LLC, 169 Lackawanna Avenue, Parsippany, NJ 07054
• New York Life Retirement Plan Services is a
  division of New York Life Investment Management
  LLC.

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Get Your Retirement Plan OnTarget
OnTarget