Special Reports on Investments

Special Reports

The following reports discuss various investment topics relevant to all investors. Click on the links below to view the Special Reports of interest to you.

Plan Participation

	Cost of Waiting - Addresses the need to start saving today to maximize results for tomorrow		Tax Deferral - Explains the value of the inherent tax deferral in an employer sponsored plan
	Savers Tax Credit - Explains the potential tax credits realized by contributing to a plan		Model Portfolios - A tutorial on how to allocate assets using a model portfolio methodology
	Missed Opportunity - A "pay yourself first" explanation and why		Increasing Your Contributions - The value of making even small increases to your retirement plan contributions
	Contribute More Today - The value of making increases to your retirement plan contributions, and how they add up over time

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Investing

	Asset Allocation - High level educational piece on asset allocation and its importance		Rebalancing – Discusses the importance of periodic rebalancing of a portfolio
	Dollar Cost Averaging - One page educational piece on the dollar cost averaging process and its value		Market Timing - Educational piece on the value of staying in the market, not trying to guage when to invest or not
	Diversification - How to manage risk through diversification		AUV vs. NAV - Explains the difference between Net Asset Value and Accumulation Unit Value
	What is a mutual fund? - Explains what a mutual fund is and the benefits of investing in them		Investments 101 - Describes the variety of investment vehicles and how they work
	Making Sense of Your IRA Choices - Reviews the different types of IRAs, how to use them and why

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Retiring

	Catching Up – Explains the catch-up contribution, how much it is, and who can use it		Retiring – Overview of retirement and what to consider
	Transforming Assets into Income – The various methods, advantages and disadvantages of turning savings into an income stream		Managing Key Risks - The risks to consider and how to mitigate them when thinking about an income stream

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Life Events

	Retirement Planning for Women - Focuses on helping women understand their particular risks when saving and planning for retirement		Out of Debt – How to make your way out of debt and stay that way
	Changing Jobs – The things to consider when evaluating what to do with retirement plan assets when you leave your employer		Estate Planning – Things to think about when considering how to pass on your wealth.

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These documents are kept in PDF format for consistent viewing. To view these files a copy of the Adobe Acrobat Reader must be installed on your PC. If you have not already downloaded the Acrobat Reader, click here and follow the instructions.

© 2009 ING North America Insurance Corporation

Variable annuity contract is offered through ING Life Insurance and Annuity Company (ILIAC), One Orange Way, Windsor, CT 06095-4774. This variable annuity contract has terms under which it may be continued in force or discontinued. For costs and complete details of coverage, call or write your representative. Securities are distributed through, and seminars and financial planning services offered by, ING Financial Advisers, LLC (member SIPC). These companies are wholly owned subsidiaries of ING Groep N.V. Products and services may not be available in all states. Securities also offered through other broker-dealers with which ING Financial Advisers, LLC has selling agreements, including First Allied Securities, Inc (member FINRA/SIPC). First Allied Securities, Inc. and the Gabor Agency are not affiliated with ING entities.