3 Ways to contribute more

RETIREMENT PLAN ADMINISTRATIVE AND RECORDKEEPING SERVICES PROVIDED BY ONEAMERICA RETIREMENT SERVICES LLC, A ONEAMERICA® COMPANY

3 Ways to increase retirement plan contributions These days it feels like our money is pulled in many different directions. With all of the routine expenses, you may feel like you can’t afford to make even a small increase to your retirement account contributions. Keep in mind, though, that even small increases can make a big difference.

1. Give your account a raiseThe next time you get a raise, consider celebrating your success by increasing your retirement contribution rate. You’re not used to having that extra money, so chances are you won’t miss it.

2. Pay off your debtThink of the money that is tied up each month in payments toward personal debt. The sooner you pay off this debt, the sooner that money will be free to put toward your retirement goals.

3. Cut spendingTrack how much you spend for a month, and then look for ways to cut spending to use toward investing in your retirement account.

For instance:• Could you cut back by bringing your lunch instead of going out to eat?• How about borrowing books from the library rather than buying them?• Do you have a larger cell phone plan or cable package than you really need?

As you can see, if an investor who makes $40,000 per year increases his contribution rate from 6% to 8%, that would mean a difference of over $12,000 in his retirement account in 10 years!

A small increase can go a long way

Note: All numeric examples are hypothetical. These hypothetical investment returns are for educational purposes only and are not indicative of any particular investment or performance. Hypothetical returns assume reinvestment of earnings. Actual returns or principal value will vary. Balances shown are before reduction for taxes. This example assumes a consistent 8 percent rate of return.

$0

$200,000

$400,000

$600,000

$800,000

$1,000,000

10 years 20 years 30 years 40 years

$37,549 $50,066$118,615

$158,153

$293,630

$391,507

$671,474

$895,299

6% deferral8% deferral

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Retirement plan administration and recordkeeping services provided byOneAmerica Retirement Services LLC a OneAmerica® company

One American Square, P.O. Box 368Indianapolis, IN 46206-0368

R-27524 04/17/19

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Note: OneAmerica Retirement Services LLC provides administrative and recordkeeping services and is not a broker/dealer or investment advisor. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Mutual funds are sold by prospectus. To obtain a copy of the prospectus, the participant should contact the plan’s investment advisor or the mutual fund company directly. Before investing, carefully consider the fund’s investment objectives, risks, charges, and expenses. The underlying fund prospectuses contain this and other important information. Read the prospectuses carefully before investing. Investing involves risk including potential loss of principal.