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To help you provide valuable employee education for plan participants, the following topics have been developed* into a one- or two-page fact sheet. Each fact sheet can be customized, logo added, and presented in a variety of formats including email, pdf, print, etc.

PARTICIPANT EDUCATION TOPICS

INVESTMENT BASICS
_ What is Asset Allocation?
_ The Importance of Diversification
_ Understanding Risk Tolerance
_ Mutual Fund Basics
_ Investing 101
_ Benefits of Time and Effects of Compounding
_ How Much $ Should I Be Putting in My Account?
_ How Often Should I Review or Rebalance My Account?
_ How Much Company Stock Should I Hold in My Account?

PLAN BASICS
_ How Much Can I Contribute to My Plan?
_ What are the Tax Benefits to Putting $ in My Plan?
_ What is a 'Matching Contribution'?
_ What Does 'Vesting' Mean?
_ How Do I Take Money Out of My Retirement Plan?
_ What Do I Do With My Account When I Leave the Company or Retire?
_ Why Does a Company Offer a Retirement Plan?
_ What Fees Do I Pay on My Retirement Account?
_ Rolling Over My Existing Retirement Accounts
_ Investment Elections, Current vs. Ongoing
_ The Importance of My Beneficiary Designation

OTHER EDUCATION TOPICS
_ Ups and Downs of the Market
_ Why Teach Children About Investing
_ Social Security Basics
_ Long Term Care Expenses
_ Advantages of Increasing Contributions
_ Estate Tax Basics
_ Mutual Fund Taxation
_ How To Take Income from my Account in Retirement
_ Savings Bonds
_ IRA Distributions
_ 529 Savings Plan Overview
_ Catastrophes You Can Prepare For
_ Understanding Investment Performance
_ Understanding Asset Classes

*There are currently 5 individual plan sponsor and participant fact sheets available, with the remaining topics being submitted weekly and reviewed by Royal Alliance compliance and released as approved.