Schaedler Yesco Distribution Inc. 401(k) Plan

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Schaedler Yesco Distribution Inc. 401(k) Plan
Your Financial Wellness How to do a Check-up on
Your 401(k) Account
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Who We Are

• Conrad Siegel Actuaries
• Harrisburg based benefits firm
• Record keeping - quarterly statements
• Conrad Siegel Investment Advisors, Inc.
• Independent investment consultants
• Recommend and monitor investment choices

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Questions You Need to Answer

• Are you saving enough?
• Are you maximizing your employers match?
• Are you properly diversified?

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Are you saving enough?

• Retirement Savings Worksheet
• Complete the worksheet
• Decide how much youneed to save now

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Are you maximizing your employer match?

• Employer matching contribution
• Discretionary amount
• Contributed with each payroll period
• Current Match 100 up to 3 of compensation
• For example
• Employee contribution 1,000
• Employer matching contribution 1,000!!!
• (Assumes 1,000 is less than 3 of
  compensation.)
• Conditions for match
• Make a 401(k) contribution

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Are you maximizing your employer match?
Employer matching contribution
Employee A
Employee B
Contributing 1
Contributing 3
Bi-weekly gross pay 1,400 1,400
401(k) -14 -42
Federal Taxes (15 tax bracket) -208 -204
Net Pay (before other deductions) 1,178 1,154
24 difference
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Are you maximizing your employer match?
Employer matching contribution
Employee A
Employee B
Contributing 1
Contributing 3
401(k) 14 42
Match 14 42
Total Contribution 28 84
24 reduction in take home pay results in 56
extra in retirement savings every pay check!
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Are you maximizing your employer match?
For 24 less each paycheck (or 624 for the year)
in take home pay, you have 15,545 more at
retirement!
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Are you properly diversified?
2 Individual Security Selection
2 Market Timing
96 Asset Allocation
Brinson Studies of 1986 and 1990
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Are you properly diversified?

• Risk Assessment Quiz
• Complete the risk quiz
• Decide your risk level
• This will help you makeyour investment choices

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Are you properly diversified?
Your Results







Less Risk
More Risk

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Account Investing Methods

• Option A
• Professionally Managed Solution
• Lifestyle Funds
• Option B
• Employee Managed Solution
• Create Your Own Portfolio

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Lifestyle Funds

• If you would rather have an investment
  professional decide how to invest your account,
  you can choose one of the Lifestyle Funds, which
  are portfolios of investments with pre-determined
  asset allocations.

Vanguard LifeStrategy

Vanguard LifeStrategy

Vanguard LifeStrategy

Vanguard LifeStrategy

Income Fund

Conservative Growth Fund

Moderate Growth Fund

Growth Fund


Conservative

Moderate

Balanced

Growth

More Risk
Less Risk










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Lifestyle Funds

• If you are choosing a Lifestyle Fund, read the
  description of your
• Investment Style, and then choose
• the appropriate LifeStyle Fund.

Investment Style
Balanced - The goal of this asset allocation should be a balance of asset growth with a fair amount of current income. This can be appropriate for those with a time horizon of at least 10 years, which is a full market cycle. These individuals realize that retirement is far enough away that they can ride out any account fluctuations.
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Create Your Own Portfolio

• If you are creating your own portfolio of
  investments, here is just one sample to help you
  get started in building a properly diversified
  portfolio.

Investment Style Average Annualized Returns Sample Asset Allocation
Balanced - The goal of this asset allocation should be a balance of asset growth with a fair amount of current income. This can be appropriate for those with a time horizon of at least 10 years, which is a full market cycle. These individuals realize that retirement is far enough away that they can ride out any account fluctuations. 1991-2010 8.39Best Year 36.03Worst Year -28.82 n 5 Money Market n 35 Bonds n 27 Large Cap Stocks n 6 Mid Cap Stocks n 9 Small Cap Stocks n 18 Foreign Stocks
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Website Tools
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Website Tools
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Website Tools
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Statements Electronically
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Statements Electronically
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Statements Electronically
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Statements Electronically
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Website Information

• Log onto www.my-benefit-info.comfor internet
  access
• Questions?
  Call our Customer Service Line
  1-800-577-3675
  M-F 800 a.m. to 600
  p.m., Eastern Time

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Increase Your 401(k) Contributions

• Complete the Deferral Change Form in your Tool
  Kit
• Return Form to Human Resources
• Change will be effective April 1

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Disclosure

• Conrad Siegel Investment Advisors, Inc. ("CSIA")
  is an SEC registered investment advisor with its
  principal place of business in the Commonwealth
  of Pennsylvania. CSIA and its representatives
  are in compliance with the current notice filing
  requirements imposed upon registered investment
  advisors by those states in which CSIA maintains
  clients. CSIA may only transact business in
  those states in which it is notice filed or
  qualifies for an exemption or exclusion from
  notice filing requirements. This presentation is
  limited to the dissemination of general
  information pertaining to its investment
  advisory/management services. Any subsequent,
  direct communication by CSIA with a prospective
  client shall be conducted by a representative
  that is either registered or qualifies for an
  exemption or exclusion from registration in the
  state where the prospective client resides. For
  information pertaining to the registration status
  of CSIA, please contact CSIA or refer to the
  Investment Adviser Public Disclosure web site
  (www.adviserinfo.sec.gov).For additional
  information about CSIA, including fees and
  services, send for our disclosure statement as
  set forth on Form ADV from CSIA using the contact
  information herein. Please read the disclosure
  statement carefully before you invest or send
  money.
• This presentation contains general information
  that is not suitable for everyone. The
  information contained herein should not be
  construed as personalized investment advice.
  Past performance is no guarantee of future
  results. There is no guarantee that the views
  and opinions expressed in this presentation will
  come to pass. Investing in the stock market
  involves gains and losses and may not be suitable
  for all investors. Information presented herein
  is subject to change without notice and should
  not be considered as a solicitation to buy or
  sell any security.

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Schaedler Yesco Distribution Inc. 401(k) Plan