Library

ING Seminar Library

Everyday we make financial decisions for ourselves, our families and our futures. The topics available in the ING Seminar Library can help you make more informed choices when faced with these financial decisions. Visit the library now>

Brochures

457 Deferred Compensation Brochure This brochure highlights important information about the 457 deferred compensation plan, including the advantages of saving for retirement on a pre-tax basis, contribution limits and distribution rules.

Catch-up Brochure This brochure explains when you are eligible to take advantage of increased contributions to the Plan. It includes easy to understand questions and answers, and a worksheet that helps you determine if you’re eligible for catch-up.

Model Investment Portfolio Brochure This brochure is designed to help you assess your tolerance for risk and classify yourself as an investor. It also provides sample investment portfolios for different categories of investors; e.g., aggressive, moderate and conservative.

Your Investment Options – Understanding Asset Classes - Understanding the general investment categories – and how they compare with each other – will help you make the most of the investment options available to you.

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Glossary This glossary includes brief descriptions of commonly used investment terms that you may encounter while managing your retirement plan. These definitions have been listed alphabetically for your convenience, and aim to provide you with a better understanding of sometimes confusing financial information.

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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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